ACI Worldwide (ACIW) 10-Q 5 Nov 15 2015 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2015	Nov. 02, 2015
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q3
Trading Symbol	ACIW
Entity Registrant Name	ACI WORLDWIDE, INC.
Entity Central Index Key	935,036
Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Entity Common Stock, Shares Outstanding		118,258,890

CONDENSED CONSOLIDATED BALANCE

CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Current assets
Cash and cash equivalents	$ 80,857	$ 77,301
Receivables, net of allowances of $5,479 and $4,806, respectively	178,936	227,106
Deferred income taxes, net	58,947	44,349
Recoverable income taxes	11,289	4,781
Prepaid expenses	25,733	24,314
Other current assets	24,864	40,417
Total current assets	380,626	418,268
Noncurrent assets
Property and equipment, net	58,796	60,360
Software, net	202,242	209,507
Goodwill	773,260	781,163
Intangible assets, net	239,527	261,436
Deferred income taxes, net	45,693	50,187
Other noncurrent assets, including $33,824 at December 31, 2014 for assets at fair value	44,520	69,779
TOTAL ASSETS	1,744,664	1,850,700
Current liabilities
Accounts payable	38,446	50,351
Employee compensation	39,935	35,299
Current portion of long-term debt	95,293	87,352
Deferred revenue	124,782	131,808
Income taxes payable	4,551	6,276
Deferred income taxes, net	264	225
Other current liabilities	61,807	67,505
Total current liabilities	365,078	378,816
Noncurrent liabilities
Deferred revenue	46,930	49,224
Long-term debt	689,113	804,583
Deferred income taxes, net	14,569	13,217
Other noncurrent liabilities	30,070	23,455
Total liabilities	$ 1,145,760	$ 1,269,295
Commitments and contingencies (Note 13)
Stockholders' equity
Preferred stock; $0.01 par value; 5,000,000 shares authorized; no shares issued and outstanding at September 30, 2015 and December 31, 2014
Common stock; $0.005 par value; 280,000,000 shares authorized; 139,820,388 shares issued at September 30, 2015 and December 31, 2014	$ 698	$ 698
Additional paid-in capital	547,077	551,713
Retained earnings	373,084	331,415
Treasury stock, at cost, 21,561,535 and 24,182,584 shares at September 30, 2015 and December 31, 2014, respectively	(253,735)	(282,538)
Accumulated other comprehensive loss	(68,220)	(19,883)
Total stockholders' equity	598,904	581,405
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,744,664	$ 1,850,700

CONDENSED CONSOLIDATED BALANCE3

CONDENSED CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Statement of Financial Position [Abstract]
Receivables, allowances	$ 5,479	$ 4,806
Other noncurrent assets at fair value		$ 33,824
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	5,000,000	5,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value	$ 0.005	$ 0.005
Common stock, shares authorized	280,000,000	280,000,000
Common stock, shares issued	139,820,388	139,820,388
Treasury stock, shares	21,561,535	24,182,584

CONDENSED CONSOLIDATED STATEMEN

CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($) shares in Thousands, $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Revenues
License		$ 50,237	$ 57,653	$ 156,975	$ 154,732
Maintenance		59,262	63,764	178,895	188,572
Services		25,842	28,194	72,449	75,773
Hosting		103,360	100,033	329,021	306,848
Total revenues		238,701	249,644	737,340	725,925
Operating expenses
Cost of license	[1]	5,387	5,433	17,435	18,066
Cost of maintenance, services and hosting	[1]	104,272	105,319	337,769	325,801
Research and development		36,123	36,321	112,639	112,653
Selling and marketing		28,451	27,078	88,660	82,994
General and administrative		20,284	25,329	66,867	75,127
Depreciation and amortization		20,298	18,295	59,995	52,383
Total operating expenses		214,815	217,775	683,365	667,024
Operating income		23,886	31,869	53,975	58,901
Other income (expense)
Interest expense		(9,728)	(10,416)	(31,174)	(28,920)
Interest income		94	98	254	432
Other, net		4,314	3,614	27,695	(1,344)
Total other income (expense)		(5,320)	(6,704)	(3,225)	(29,832)
Income before income taxes		18,566	25,165	50,750	29,069
Income tax expense		3,786	9,433	9,081	7,875
Net income		$ 14,780	$ 15,732	$ 41,669	$ 21,194
Income per common share
Basic		$ 0.13	$ 0.14	$ 0.36	$ 0.18
Diluted		$ 0.12	$ 0.14	$ 0.35	$ 0.18
Weighted average common shares outstanding
Basic		117,922	114,484	117,035	114,603
Diluted		119,304	116,428	118,498	116,682
[1]	The cost of software license fees excludes charges for depreciation but includes amortization of purchased and developed software for resale. The cost of maintenance, services and hosting fees excludes charges for depreciation.

CONDENSED CONSOLIDATED STATEME5

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Statement of Comprehensive Income [Abstract]
Net income	$ 14,780	$ 15,732	$ 41,669	$ 21,194
Other comprehensive loss:
Unrealized gain on available-for-sale securities			1,488
Reclassification of unrealized gain to realized gain on available-for-sale securities			(24,465)
Foreign currency translation adjustments	(16,822)	(15,370)	(25,360)	(6,151)
Total other comprehensive loss	(16,822)	(15,370)	(48,337)	(6,151)
Comprehensive income (loss)	$ (2,042)	$ 362	$ (6,668)	$ 15,043

CONDENSED CONSOLIDATED STATEME6

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Cash flows from operating activities:
Net income	$ 41,669	$ 21,194
Adjustments to reconcile net income to net cash flows from operating activities:
Depreciation	15,919	15,100
Amortization	54,929	48,174
Amortization of deferred debt issuance costs	4,754	4,207
Deferred income taxes	3,773	(9,637)
Stock-based compensation expense	10,050	13,742
Excess tax benefit of stock compensation	(4,852)	(10,416)
Gain on sale of available-for-sale securities	(24,465)
Other, net	2,467	2,006
Changes in operating assets and liabilities, net of impact of acquisitions:
Receivables	31,566	(17,010)
Accounts payable	(5,441)	(6,501)
Accrued employee compensation	7,141	(2,682)
Current income taxes	(8,080)	9,345
Deferred revenue	(4,813)	15,932
Other current and noncurrent assets and liabilities	(5,626)	(11,471)
Net cash flows from operating activities	118,991	71,983
Cash flows from investing activities:
Purchases of property and equipment	(19,546)	(11,755)
Purchases of software and distribution rights	(12,017)	(14,227)
Proceeds from sale of available-for-sale equity securities	35,311
Acquisition of businesses, net of cash acquired		(204,290)
Other	(7,000)	(1,500)
Net cash flows from investing activities	(3,252)	(231,772)
Cash flows from financing activities:
Proceeds from issuance of common stock	2,298	2,042
Proceeds from exercises of stock options	11,554	11,106
Excess tax benefit of stock compensation	4,852	10,416
Repurchases of common stock		(70,000)
Repurchase of restricted stock and performance shares for tax withholdings	(4,553)	(4,975)
Proceeds from term portion of credit agreement		150,000
Proceeds from revolving credit facility	112,000	149,500
Repayment of revolving credit facility	(156,000)	(71,000)
Repayment of term portion of credit agreement	(63,530)	(37,596)
Payments on other debt	(11,785)	(7,912)
Payment for debt issuance costs		(4,544)
Distribution to noncontrolling interest		(1,391)
Net cash flows from financing activities	(105,164)	125,646
Effect of exchange rate fluctuations on cash	(7,019)	(845)
Net increase (decrease) in cash and cash equivalents	3,556	(34,988)
Cash and cash equivalents, beginning of period	77,301	95,059
Cash and cash equivalents, end of period	80,857	60,071
Supplemental cash flow information
Income taxes paid, net	17,169	18,952
Interest paid	$ 31,424	$ 28,996

Condensed Consolidated Financia

Condensed Consolidated Financial Statements	9 Months Ended
	Sep. 30, 2015
Accounting Policies [Abstract]
Condensed Consolidated Financial Statements	1. Condensed Consolidated Financial Statements The unaudited condensed consolidated financial statements include the accounts of ACI Worldwide, Inc. and its wholly-owned The condensed consolidated financial statements contained herein should be read in conjunction with the consolidated financial statements and notes thereto contained in the Company’s annual report on Form 10-K for the fiscal year ended December 31, 2014, filed on February 26, 2015. Results for the three and nine months ended September 30, 2015 are not necessarily indicative of results that may be attained in the future. The preparation of condensed consolidated financial statements in conformity with accounting principles generally accepted in the United States (“U.S. GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the condensed consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Receivables, net Receivables represent amounts billed and amounts earned that are to be billed in the near future. Included in accrued receivables are services and software hosting revenues earned in the current period but billed in the following period as well as license revenues that are determined to be fixed and determinable but that will be billed in future periods. (in thousands) September 30, December 31, Billed Receivables $ 144,363 $ 200,392 Allowance for doubtful accounts (5,479 ) (4,806 ) Billed, net 138,884 195,586 Accrued Receivables 40,052 31,520 Receivables, net $ 178,936 $ 227,106 Other Current Assets and Other Current Liabilities (in thousands) September 30, 2015 December 31, Settlement deposits $ 4,686 $ 13,252 Settlement receivables 5,847 11,032 Current debt issuance costs 5,651 6,244 Other 8,680 9,889 Total other current assets $ 24,864 $ 40,417 (in thousands) September 30, 2015 December 31, Settlement payables $ 9,203 $ 21,715 Accrued interest 2,426 7,256 Vendor financed licenses 14,068 7,340 Royalties payable 3,452 4,070 Other 32,658 27,124 Total other current liabilities $ 61,807 $ 67,505 Individuals and businesses settle their obligations to the Company’s various clients, primarily utility and other public sector clients, using credit or debit cards or via ACH payments. The Company creates a receivable for the amount due from the credit or debit card company and an offsetting payable to the client. Once confirmation is received that the funds have been received, the Company settles the obligation to the client. Due to timing, in some instances, the Company may receive the funds into bank accounts controlled by and in the Company’s name that are not disbursed to its clients by the end of the day resulting in a settlement deposit on the Company’s books. Off Balance Sheet Accounts The Company also enters into agreements with certain clients to process payment funds on their behalf. When an automated clearing house or automated teller machine network payment transaction is processed, a transaction is initiated to withdraw funds from the designated source account and deposit them into a settlement account, which is a trust account maintained for the benefit of the Company’s clients. A simultaneous transaction is initiated to transfer funds from the settlement account to the intended destination account. These “back to back” transactions are designed to settle at the same time, usually overnight, such that the funds are received from the source at the same time as the funds are sent to their destination. However, due to the transactions being with various financial institutions there may be timing differences that result in float balances. These funds are maintained in accounts for the benefit of the client which are separate from the Company’s corporate assets. As the Company does not take ownership of the funds, those settlement accounts are not included in the Company’s balance sheet. The Company is entitled to interest earned on the fund balances. The collection of interest on these settlement accounts is considered in the Company’s determination of its fee structure for clients and represents a portion of the payment for services performed by the Company. The amount of off balance sheet settlement funds as of September 30, 2015 and December 31, 2014 were $216.2 million and $224.9 million, respectively. Goodwill Changes in the carrying amount of goodwill attributable to each reporting unit with goodwill balances during the nine months ended September 30, 2015 were as follows: (in thousands) Americas EMEA Asia/ Pacific Total Gross Balance prior to December 31, 2014 $ 523,914 $ 240,303 $ 64,378 $ 828,595 Total impairment prior to December 31, 2014 (47,432 ) — — (47,432 ) Balance, December 31, 2014 476,482 240,303 64,378 781,163 Goodwill from acquisitions (1) 2,462 (191 ) — 2,271 Foreign currency translation adjustments (1,658 ) (2,292 ) (6,224 ) (10,174 ) Balance, September 30, 2015 $ 477,286 $ 237,820 $ 58,154 $ 773,260 (1) Goodwill from acquisitions relates to adjustments in the goodwill recorded for the acquisition of Retail Decisions Europe Limited and Retail Decisions, Inc. (collectively “ReD”) as discussed in Note 2. In accordance with ASC 350, Intangibles – Goodwill and Other, The calculated fair value was substantially in excess of the current carrying value for all reporting units based upon our October 1, 2014 annual impairment test and there have been no indications of impairment in the subsequent periods. Revenue Vendor Specific Objective Evidence (“VSOE”) ASC 985-605, Revenue Recognition: Software Certain of the Company’s software license arrangements include PCS terms that fail to achieve VSOE of fair value due to non-substantive renewal periods, or contain a range of possible non-substantive PCS renewal amounts. For these arrangements, VSOE of fair value of PCS does not exist and revenues for the software license, PCS and services, if applicable, are considered to be one accounting unit and are therefore recognized ratably over the longer of the contractual service term or PCS term once the delivery of both services has commenced. The Company typically classifies revenues associated with these arrangements in accordance with the contractually specified amounts, which approximate fair value assigned to the various elements, including software license, maintenance and services, if applicable. This allocation methodology has been applied to the following amounts included in revenues in the condensed consolidated statements of income from arrangements for which VSOE of fair value does not exist for each undelivered element: (in thousands) Three Months Ended Nine Months Ended 2015 2014 2015 2014 License $ 1,885 $ 5,466 $ 5,810 $ 18,106 Maintenance 923 1,862 2,738 6,275 Services 55 34 289 47 Total $ 2,863 $ 7,362 $ 8,837 $ 24,428 Recently Issued Accounting Standards In April 2015, the FASB issued Accounting Standards Update (“ASU”) 2015-03, Simplifying the Presentation of Debt Issuance Costs, In April 2015, the FASB issued ASU 2015-05, Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement, In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers (“ASC 606”) Revenue Recognition

Acquisitions

Acquisitions	9 Months Ended
	Sep. 30, 2015
Business Combinations [Abstract]
Acquisitions	2. Acquisitions Fiscal 2015 Acquisition PAY.ON On November 4 , Under the terms of the agreement, the Company will acquire 100% of the equity of PAY.ON in a combination of cash and stock, valuing PAY.ON at 180 million Euros (approximately $200 million). The Company used approximately $181.5 million from its Revolving Credit Facility. See Note 3, Debt, for terms of the Credit Facility. The Company has not completed the valuation analysis and calculations necessary to finalize the required purchase price allocations. In addition to goodwill, the final purchase price allocation may include allocations to intangible assets such as trademarks and trade names, developed technology and customer-related assets. Fiscal 2014 Acquisitions Retail Decisions On August 12, 2014, the Company completed the acquisitions of Retail Decisions Europe Limited (“ReD Europe”) and all its subsidiaries and Retail Decisions, Inc (“ReD, Inc.”) for $205.1 million in cash. The Company has included the financial results of ReD in the condensed consolidated financial statements from the date of acquisition. As a leader in fraud prevention solutions, the acquisition of ReD enhances the Company’s Universal Payments strategy and further strengthens the Company’s leadership position in the fast-growing payments risk management space. To fund this acquisition and related transaction fees, the Company drew an additional $60.5 million on the Revolving Credit Facility and increased the Term portion of the Credit Agreement by an additional $150.0 million. See Note 3, Debt The Company incurred approximately $2.7 million in transaction related expenses during the year ended December 31, 2014, including fees to the investment bank, legal and other professional fees. ReD contributed approximately $10.2 million and $5.8 million in revenue and an estimated operating loss of $1.8 million compared to operating income of $0.1 million for the three months ended September 30, 2015 and 2014, respectively. ReD contributed approximately $30.3 million and $5.8 million in revenue and an estimated operating loss of $5.6 million compared to operating income of $0.1 million for the nine months ended September 30, 2015 and 2014, respectively, which includes severance expense related to integration activities. The consideration paid by the Company to complete the acquisition has been allocated to the assets acquired and liabilities assumed based upon their estimated fair values as of the date of the acquisition. In connection with the acquisition, the Company recorded the following amounts based upon its purchase price allocation as of September 30, 2015. (in thousands, except weighted average useful lives) Weighted-Average Retail Decisions Current assets: Cash and cash equivalents $ 795 Billed and accrued receivables, net 10,106 Deferred income taxes, net 514 Other current assets 10,282 Total current assets acquired 21,697 Noncurrent assets: Property and equipment 3,354 Goodwill 137,915 Software 5-7 years 33,136 Customer relationships 18 years 50,480 Trademarks 5 years 3,980 Deferred income taxes 51 Other noncurrent assets 416 Total assets acquired 251,029 Current liabilities: Accounts payable 4,624 Employee compensation 6,046 Other current liabilities 11,683 Total current liabilities acquired 22,353 Noncurrent liabilities: Deferred income taxes 23,427 Other noncurrent liabilities 164 Total liabilities acquired 45,944 Net assets acquired $ 205,085 The Company made adjustments to the purchase price allocation as certain analysis was completed and additional information became available for deferred income taxes, recoverable income taxes, goodwill, and other current liabilities. These adjustments and any resulting adjustments to the condensed consolidated statements of income were not material to the Company’s previously reported operating results or financial position. Factors contributing to the purchase price that resulted in the goodwill (which is not tax deductible) include the acquisition of management, sales, and technology personnel with the skills to market new and existing products of the Company, enhanced product capabilities, complementary products and customers. Pro forma results for ReD are not presented because they are not material.

Debt

Debt	9 Months Ended
	Sep. 30, 2015
Debt Disclosure [Abstract]
Debt	3. Debt As of September 30, 2015, the Company had $484.4 million and $300.0 million outstanding under its Term Credit Facility and Senior Notes, respectively, with up to $250.0 million of unused borrowings under the Revolving Credit Facility portion of the Credit Agreement, as amended. The amount of unused borrowings actually available varies in accordance with the terms of the agreement. Credit Agreement The Company entered into the Credit Agreement (the “Credit Agreement”), as amended, with a syndicate of financial institutions, as lenders, and Wells Fargo Bank, National Association (“Wells Fargo”), as Administrative Agent, providing for revolving loans, swingline loans, letters of credit and a term loan on November 10, 2011. The Credit Agreement consists of a five-year $250.0 million senior secured revolving credit facility (the “Revolving Credit Facility”), which includes a sublimit for the issuance of standby letters of credit and a sublimit for swingline loans, and $650.0 million total under the five-year senior secured term loan facility (the “Term Credit Facility” and, together with the Revolving Credit Facility, the “Credit Facility”). The Credit Agreement also allows the Company to request optional incremental term loans and increases in the revolving commitment. Borrowings under the Credit Facility bear interest at a rate per annum equal to, at the Company’s option, either (a) a base rate determined by reference to the highest of (1) the rate of interest per annum publicly announced by the Administrative Agent as its Prime Rate, (2) the federal funds effective rate plus 1/2 of 1% and (3) a LIBOR based rate determined by reference to the costs of funds for U.S. dollar deposits for a one-month interest period adjusted for certain additional costs plus 1% or (b) a LIBOR based rate determined by reference to the costs of funds for U.S. dollar deposits for the interest period relevant to such borrowing adjusted for certain additional costs, in each case plus an applicable margin. The applicable margin for borrowings under the Revolving Credit Facility is, based on the calculation of the applicable consolidated total leverage ratio, between 0.50% to 1.50% with respect to base rate borrowings and between 1.50% and 2.50% with respect to LIBOR based borrowings. Interest is due and payable monthly. The interest rate in effect at September 30, 2015 for the Credit Facility was 2.45%. In addition to paying interest on the outstanding principal under the Credit Facility, the Company is required to pay a commitment fee in respect of the unutilized commitments under the Revolving Credit Facility, payable quarterly in arrears. The Company is also required to pay letter of credit fees on the maximum amount available to be drawn under all outstanding letters of credit in an amount equal to the applicable margin on LIBOR based borrowings under the Revolving Credit Facility on a per annum basis, payable quarterly in arrears, as well as customary fronting fees for the issuance of letters of credit fees and agency fees. The Company is permitted to voluntarily reduce the unutilized portion of the commitment amount and repay outstanding loans under the Credit Facility at any time without premium or penalty, other than customary “breakage” costs with respect to LIBOR based loans. Senior Notes On August 20, 2013, the Company completed a $300.0 million offering of Senior Notes at an issue price of 100% of the principal amount in a private placement for resale to qualified institutional buyers. The Senior Notes bear an interest rate of 6.375% per annum, payable semi-annually in arrears on August 15 and February 15 of each year, commencing on February 15, 2014. Interest began accruing on August 20, 2013. The Senior Notes will mature on August 15, 2020. Maturities on long-term debt outstanding at September 30, 2015 are as follows: Fiscal year ending December 31, (in thousands) 2015 $ 23,823 2016 95,293 2017 95,293 2018 269,997 2019 — Thereafter 300,000 Total $ 784,406 The Credit Agreement and Senior Notes also contain certain customary mandatory prepayment provisions. If certain events, as specified in the Credit Agreement or Senior Notes agreement, shall occur, the Company may be required to repay all or a portion of the amounts outstanding under the Credit Facility or Senior Notes. The Credit Facility will mature on August 20, 2018 and the Senior Notes will mature on August 15, 2020. The Revolving Credit Facility and Senior Notes do not amortize and the Term Credit Facility does amortize, with principal payable in consecutive quarterly installments. The Company’s obligations and the obligations of the guarantors under the Guaranty and cash management arrangements entered into with lenders under the Credit Facility (or affiliates thereof) are secured by first-priority security interests in substantially all assets of the Company and any guarantor, including 100% of the capital stock of ACI Worldwide, Corp. and each domestic subsidiary of the Company, each domestic subsidiary of any guarantor and 65% of the voting capital stock of each foreign subsidiary of the Company that is directly owned by the Company or a guarantor, and in each case, is subject to certain exclusions set forth in the credit documentation governing the Credit Facility. The Credit Agreement and Senior Notes contain certain customary affirmative covenants and negative covenants that limit or restrict, subject to certain exceptions, the incurrence of liens, indebtedness of subsidiaries, mergers, advances, investments, acquisitions, transactions with affiliates, change in nature of business and the sale of the assets. The Company is also required to maintain a consolidated leverage ratio at or below a specified amount and a consolidated fixed charge coverage ratio at or above a specified amount. If an event of default, as specified in the Credit Agreement and Senior Notes agreement, shall occur and be continuing, the Company may be required to repay all amounts outstanding under the Credit Facility and Senior Notes. As of September 30, 2015, and at all times during the period, the Company was in compliance with its financial debt covenants. (in thousands) As of September 30, 2015 As of December 31, Term credit facility $ 484,406 $ 547,935 Revolving credit facility — 44,000 6.375% Senior Notes, due August 2020 300,000 300,000 Total debt 784,406 891,935 Less current portion of term credit facility 95,293 87,352 Total long-term debt $ 689,113 $ 804,583 Other During the nine months ended September 30, 2015, the Company financed multiple three-year license agreements for certain internally-used software for a total value of $16.1 million with payments due through May of 2017. Of this amount, $12.8 million was remaining as of September 30, 2015. The Company recorded $7.0 million and $5.8 million in other current liabilities and other noncurrent liabilities, respectively, in the accompanying condensed consolidated balance sheet.

Fair Value of Financial Instrum

Fair Value of Financial Instruments	9 Months Ended
	Sep. 30, 2015
Fair Value Disclosures [Abstract]
Fair Value of Financial Instruments	4. Fair Value of Financial Instruments ASC 820, Fair Value Measurements and Disclosures • Level 1 Inputs – Unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date. • Level 2 Inputs – Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (such as interest rates, volatilities, prepayment speeds, credit risks, etc.) or inputs that are derived principally from or corroborated by market data by correlation or other means. • Level 3 Inputs – Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity’s own assumptions about the assumptions that market participants would use in pricing the assets or liabilities. Available-for-Sale Securities Equity securities are reported at fair value utilizing Level 1 inputs. The Company’s equity securities of $33.8 million at December 31, 2014, were comprised entirely of Yodlee, Inc. (“Yodlee”) common stock and were included in noncurrent assets in the accompanying condensed consolidated balance sheets. The Company utilized quoted prices from an active exchange market to fair value its equity securities. During the nine months ended September 30, 2015, the Company sold all of its Yodlee stock holdings in a series of sales and realized a total gain of $24.5 million, which is included in other, net in the accompanying condensed consolidated statements of income. Debt The fair value of our Credit Agreement approximates the carrying value due to the floating interest rate (Level 2 of the fair value hierarchy). The Company measures the fair value of its Senior Notes based on Level 2 inputs, which include quoted market prices and interest rate spreads of similar securities. The fair value of our Senior Notes was $313.5 million at September 30, 2015 and $315.0 million at December 31, 2014, respectively. Cash and Cash Equivalents The fair values of cash and cash equivalents approximate the carrying values due to the short period of time to maturity (Level 2 of the fair value hierarchy). The Company assesses its classifications within the fair value hierarchy at each reporting period. There were no transfers between any levels of the fair value hierarchy during the periods ended September 30, 2015 and December 31, 2014.

Stock-Based Compensation Plans

Stock-Based Compensation Plans	9 Months Ended
	Sep. 30, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Stock-Based Compensation Plans	5. Stock-Based Employee Stock Purchase Plan Under the Company’s 1999 Employee Stock Purchase Plan, as amended (the “ESPP”), a total of 4,500,000 shares of the Company’s common stock have been reserved for issuance to eligible employees. Participating employees are permitted to designate up to the lesser of $25,000 or 10% of their annual base compensation for the purchase of common stock under the ESPP. Purchases under the ESPP are made one calendar month after the end of each fiscal quarter. The price for shares of common stock purchased under the ESPP is 85% of the stock’s fair market value on the last business day of the three-month participation period. Shares issued under the ESPP during the nine months ended September 30, 2015 and 2014 totaled 123,866 and 109,825, respectively. Stock-Based Payments A summary of stock options issued pursuant to the Company’s stock incentive plans is as follows: Number of Weighted- Weighted- Aggregate Outstanding as of December 31, 2014 5,282,693 $ 12.06 Granted 2,055,514 19.12 Exercised (1,108,965 ) 10.42 Forfeited (365,286 ) 19.08 Expired (593 ) 20.51 Outstanding as of September 30, 2015 5,863,363 $ 14.41 6.53 $ 39,394,952 Exercisable as of September 30, 2015 3,285,184 $ 10.85 4.68 $ 33,735,724 As of September 30, 2015, the Company expects that 93.1% of the options will vest over the vesting period. The weighted-average grant date fair value of stock options granted during the nine months ended September 30, 2015 and 2014 was $6.49 and $9.02, respectively. The Company issued treasury shares for the exercise of stock options during the nine months ended September 30, 2015 and 2014. The total intrinsic value of stock options exercised during the nine months ended September 30, 2015 and 2014 was $12.1 million and $15.3 million, respectively. The fair value of options granted during the nine months ended September 30, 2015 and 2014 was estimated on the date of grant using the Black-Scholes option-pricing , Nine Months Ended Nine Months Ended Expected life (years) 5.93 5.93 Interest rate 1.4 % 1.8 % Volatility 32.1 % 45.2 % Dividend yield — — Expected volatilities are based on the Company’s historical common stock volatility derived from historical stock price data for historical periods commensurate with the options’ expected life. The expected life is the average number of years that the Company estimated that the options will be outstanding, based primarily on historical employee option exercise behavior. The risk-free interest rate is based on the implied yield currently available on United States Treasury zero coupon issues with a term equal to the expected term at the date of grant of the options. The expected dividend yield is zero as the Company has historically paid no dividends and does not anticipate dividends to be paid in the future. During the nine months ended September 30, 2015, the Company granted supplemental stock options with three tranches at a grant date fair value of $8.01, $7.56, and $7.00, respectively, per share that vest, if at all, based upon (i) tranche one—any time after the third anniversary date if the stock has traded at 133% of the exercise price for at least 20 consecutive trading days, (ii) tranche two—any time after the fourth anniversary date if the stock has traded at 167% of the exercise price for at least 20 consecutive trading days, and (iii) tranche three—any time after the fifth anniversary date if the stock has traded at 200% of the exercise price for at least 20 consecutive trading days. The employees must also remain employed with the Company as of the anniversary date in order for the options to vest. The exercise price of the supplemental stock options is the closing market price on the date the awards were granted. In order to determine the grant date fair value of the supplemental stock options, a Monte Carlo simulation model was used. With respect to options granted that vest based on the achievement of certain market conditions, the grant date fair value of such options was estimated using the following weighted-average assumptions: Nine Months Ended Expected life (years) 7.50 Interest rate 1.7 % Volatility 41.9 % Dividend yield — Stock Incentive Plan – Online Resources Corporation (“ORCC”) Stock Incentive Plan, as amended and restated Number of Weighted- Weighted- Aggregate Outstanding as of December 31, 2014 46,512 $ 36.73 Exercised (240 ) 13.92 Expired (8,187 ) 45.07 Outstanding as of September 30, 2015 38,085 $ 35.09 1.18 $ 48,319 Exercisable as of September 30, 2015 38,085 $ 35.09 1.18 $ 48,319 During the nine months ended September 30, 2015, the Company revised the expected attainment for the awards granted in fiscal 2013 from 75% to 0% due to changes in forecasted sales and operating income, which resulted in a reversal of $5.6 million in expense during the three and nine months ended September 30, 2015 that is included in operating expenses in the accompanying condensed consolidated statements of income. The expected attainment rate for the 2012 and 2015 grant remain 0% and 100%, respectively. A summary of nonvested long-term incentive program performance share awards (“LTIP performance shares”) outstanding as of September 30, 2015 and changes during the period are as follows: Nonvested LTIP Performance Shares Number of Weighted- Nonvested as of December 31, 2014 1,145,916 $ 14.84 Granted 1,025,863 19.12 Forfeited (195,919 ) 19.41 Vested (548,671 ) 9.75 Change in expected attainment for 2011 and 2013 grants (528,303 ) 19.44 Nonvested as of September 30, 2015 898,886 $ 19.13 During the nine months ended September 30, 2015, 548,671 shares of the LTIPs vested. The Company withheld 196,169 of those shares to pay the employees’ portion of the minimum payroll withholding taxes. A summary of nonvested restricted share awards (“RSAs”) as of September 30, 2015 and changes during the period are as follows: Nonvested Restricted Share Awards Number of Weighted-Average Grant Nonvested as of December 31, 2014 183,209 $ 17.11 Granted 118,978 23.80 Vested (158,217 ) 17.20 Nonvested as of September 30, 2015 143,970 $ 22.54 During the nine months ended September 30, 2015, 158,217 shares of the RSAs vested. The Company withheld 24,983 of those shares to pay the employees’ portion of the minimum payroll withholding taxes. Stock Incentive Plan – S1 Corporation 2003 Stock Incentive Plan, as amended and restated A summary of nonvested Transaction RSAs issued under the S1 Corporation 2003 Stock Incentive Plan as of September 30, 2015 and changes during the period are as follows: Nonvested Transaction Restricted Share Awards Number of Weighted-Average Grant Nonvested as of December 31, 2014 17,565 $ 11.80 Forfeited (4,364 ) 11.80 Nonvested as of September 30, 2015 13,201 $ 11.80 Performance-Based Restricted Share Awards During the nine months ended September 30, 2015, pursuant to the Company’s 2005 Incentive Plan, the Company granted Performance-Based Restricted Share Awards (“PBRSAs”). The PBRSA grants provide for the payment of dividends on the Company’s common stock, if any, to the participant during the requisite service period (vesting period) and the participant has voting rights for each share of common stock. These PBRSA awards are earned, if at all, based upon the achievement of performance goals over a specific period (the “Performance Period”) and completion of the service period. The PBRSAs granted on June 9, 2015 have a graded-vesting period of three years (33% vest each year) and are subject to performance targets based on the Company’s earnings before income tax, depreciation, and amortization (“EBITDA”). The first 33% of the PBRSAs issued vest subject to meeting the EBITDA target based for the year ending December 31, 2015. The remaining 66% of the PBRSAs issued, vest 33% at the end of year two and 33% at the end of year three, subject to meeting the EBITDA target for the year ending December 31, 2016. The PBRSAs granted on September 15, 2015 have a vesting period of 1.3 years and are subject to performance targets based on the Company’s EBITDA for the year ending December 31, 2016. In no event will any of the PBRSA shares become earned if the Company’s EBITDA is below a predetermined minimum threshold level at the conclusion of the Performance Period. Assuming achievement of the predetermined EBITDA threshold level, up to 150% of the PBRSA shares may be earned upon achievement of performance goals equal to or exceeding the maximum target levels for the performance goals over the Performance Period. Management will evaluate, on a quarterly basis, the probability that the threshold performance goals will be achieved, if at all, and the anticipated level of attainment in order to determine the amount of compensation costs to record in the condensed consolidated financial statements. Through September 30, 2015, the Company has accrued compensation costs assuming an attainment level of 100% for all PBRSA grants. The Company recognizes compensation expense for PBRSAs on a straight-line basis over the requisite service periods. A summary of nonvested PBRSAs as of September 30, 2015 and changes during the period are as follows: Nonvested Performance-Based Restricted Share Awards Number of Performance-Based Weighted-Average Grant Nonvested as of December 31, 2014 — $ — Granted 978,365 23.45 Forfeited (32,520 ) 24.41 Nonvested as of September 30, 2015 945,845 $ 23.42 As of September 30, 2015, there were unrecognized compensation costs of $11.4 million related to nonvested stock options, $2.3 million related to the nonvested RSAs, $12.5 million related to the LTIP performance shares, and $18.0 million related to nonvested PBRSAs, which the Company expects to recognize over weighted-average periods of 2.1 years, 1.4 years, 2.6 years, and 1.6 years, respectively. The Company recorded stock-based compensation expenses for the three months ended September 30, 2015 and 2014 related to stock options, LTIP performance shares, RSAs, PBRSAs, and the ESPP of $0.8 million and $4.6 million, respectively, with corresponding tax benefits of $0.3 million and $1.7 million, respectively. The Company recorded stock-based compensation expenses for the nine months ended September 30, 2015 and 2014 related to stock options, LTIP performance shares, RSAs, PBRSAs, and the ESPP of $10.1 million and $13.7 million, respectively, with corresponding tax benefits of $3.8 million and $5.2 million, respectively. Tax benefits in excess of the option’s grant date fair value are classified as financing cash flows. Estimated forfeiture rates, stratified by employee classification, have been included as part of the Company’s calculations of compensation costs. The Company recognizes compensation costs for stock option awards that vest with the passage of time with only service conditions on a straight-line basis over the requisite service period. Cash received from option exercises for the nine months ended September 30, 2015 and 2014 was $11.6 million and $11.1 million, respectively. The actual tax benefit realized for the tax deductions from option exercises totaled $4.6 million and $5.8 million for the nine months ended September 30, 2015 and 2014, respectively.

Software and Other Intangible A

Software and Other Intangible Assets	9 Months Ended
	Sep. 30, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Software and Other Intangible Assets	6. Software and Other Intangible Assets At September 30, 2015, software net book value totaling $202.2 million, net of $149.7 million of accumulated amortization, includes the net book value of software marketed for external sale of $74.3 million. The remaining software net book value of $127.9 million is comprised of various software that has been acquired or developed for internal use. At December 31, 2014, software net book value totaled $209.5 million, net of $121.6 million of accumulated amortization. Included in this amount is software marketed for external sale of $85.9 million. The remaining software net book value of $123.6 million is comprised of various software that has been acquired or developed for internal use. Quarterly amortization of software marketed for external sale is computed using the greater of the ratio of current revenues to total estimated revenues expected to be derived from the software or the straight-line method over an estimated useful life of three to ten years. Software for resale amortization expense recorded in the three months ended September 30, 2015 and 2014 totaled $3.4 million and $3.8 million, respectively. These software amortization expense amounts are reflected in cost of software license fees in the condensed consolidated statements of income. Software for resale amortization expense recorded in the nine months ended September 30, 2015 and 2014 totaled $10.9 million for both periods. These software amortization expense amounts are reflected in cost of software license fees in the condensed consolidated statements of income. Quarterly amortization of software for internal use is computed using the straight-line method over an estimated useful life of three to ten years. Software for internal use includes software acquired through acquisitions that is used to provide certain of our hosted offerings. Amortization of software for internal use of $9.4 million and $7.7 million for the three months ended September 30, 2015 and 2014, respectively, is included in depreciation and amortization in the condensed consolidated statements of income. Amortization of software for internal use of $27.0 million and $18.9 million for the nine months ended September 30, 2015 and 2014, respectively, is included in depreciation and amortization in the condensed consolidated statements of income. The carrying amount and accumulated amortization of the Company’s other intangible assets that were subject to amortization at each balance sheet date are as follows: September 30, 2015 December 31, 2014 (in thousands) Gross Accumulated Net Balance Gross Accumulated Net Balance Customer relationships $ 315,577 $ (81,736 ) $ 233,841 $ 322,216 $ (68,616 ) $ 253,600 Trademarks and tradenames 15,631 (9,945 ) 5,686 15,767 (7,946 ) 7,821 Purchased Contracts 10,727 (10,727 ) — 10,768 (10,768 ) — Covenant not to compete 417 (417 ) — 433 (418 ) 15 $ 342,352 $ (102,825 ) $ 239,527 $ 349,184 $ (87,748 ) $ 261,436 Other intangible assets amortization expense for the three months ended September 30, 2015 and 2014 totaled $5.6 million and $6.1 million, respectively. Other intangible assets amortization expense for the nine months ended September 30, 2015 and 2014 totaled $17.1 million and $18.4 million, respectively. Based on capitalized software and other intangible assets at September 30, 2015, estimated amortization expense for future fiscal years is as follows: Fiscal Year Ending December 31, Software Other (in thousands) Remainder of 2015 $ 13,979 $ 5,567 2016 47,753 21,356 2017 39,778 19,854 2018 27,939 19,346 2019 22,676 18,749 2020 21,421 17,903 Thereafter 28,696 136,752 Total $ 202,242 $ 239,527

Corporate Restructuring and Oth

Corporate Restructuring and Other Organizational Changes	9 Months Ended
	Sep. 30, 2015
Restructuring and Related Activities [Abstract]
Corporate Restructuring and Other Organizational Changes	7. Corporate Restructuring and Other Organizational Changes 2015 Activities During the nine months ended September 30, 2015, the Company reduced its headcount as a part of its integration of recent acquisitions. In connection with these actions, approximately $1.3 million of termination costs were recognized in general and administrative expense in the accompanying condensed consolidated statements of income during the nine months ended September 30, 2015. The charges by segment were as follows for the nine months ended September 30, 2015: $0.7 million in the Americas segment and $0.6 million in the EMEA segment. There were no restructuring termination costs recognized during the three months ended September 30, 2015. The Company paid approximately $2.7 million in restructuring severance costs during the first nine months of 2015 relating to expenses incurred in 2015 and prior. The unpaid severance liability as of September 30, 2015 totaled $1.0 million, including balances from severance events during the 12-months ended December 31, 2014. The Company expects $0.8 million of this balance to be paid over the next 12 months. 2014 Activities During the nine months ended September 30, 2014, the Company reduced its headcount as a part of its integration of recent acquisitions. In connection with these actions, approximately $3.2 million and $6.0 million of termination costs were recognized in general and administrative expense in the accompanying condensed consolidated statements of income during the three and nine months ended September 30, 2014, respectively. The charges by segment were as follows for the three months ended September 30, 2014: $1.7 million in the Americas segment, $0.5 million in the Asia/Pacific segment, and $1.0 million in the EMEA segment. The charges by segment were as follows for the nine months ended September 30, 2014: $3.8 million in the Americas segment, $1.0 million in the Asia/Pacific segment, and $1.2 million in the EMEA segment. Approximately $6.3 million of termination costs were paid during the nine months ended September 30, 2014. The components of corporate restructuring and other reorganization activities from the recent acquisitions are included in the following table: (in thousands) Severance Facility Total Balance, December 31, 2014 $ 2,341 $ 452 $ 2,793 Restructuring charges incurred 1,338 — 1,338 Amounts paid during the period (2,651 ) (138 ) (2,789 ) Foreign currency translation (28 ) — (28 ) Balance, September 30, 2015 $ 1,000 $ 314 $ 1,314 Of the $1.0 million for unpaid severance, $0.8 million is included in employee compensation and the remaining $0.2 million is included in other noncurrent liabilities in the accompanying condensed consolidated balance sheet at September 30, 2015. The $0.3 million for unpaid facilities closures is included in other current liabilities in the accompanying condensed consolidated balance sheets at September 30, 2015.

Common Stock and Treasury Stock

Common Stock and Treasury Stock	9 Months Ended
	Sep. 30, 2015
Equity [Abstract]
Common Stock and Treasury Stock	8. Common Stock and Treasury Stock As of December 31, 2011, the Company’s Board of Directors had approved a stock repurchase program authorizing the Company, from time to time as market and business conditions warrant, to acquire up to $210 million of its common stock. In February 2012, the Company’s Board of Directors approved an increase of $52.1 million to their current stock repurchase authorization, bringing the total authorization to $262.1 million. On September 13, 2012, the Company’s Board of Directors approved the repurchase of up to 7,500,000 shares of the Company’s common stock, or up to $113.0 million in place of the remaining repurchase amounts previously authorized. In July 2013, the Company’s Board of Directors approved an additional $100 million for the stock repurchase program. In February 2014, the Company’s Board of Directors again approved an additional $100 million for the stock repurchase program. The Company did not repurchase any shares under the program during the nine months ended September 30, 2015. Under the program to date, the Company has repurchased 37,108,467 shares for approximately $395.8 million. The maximum remaining authorized for purchase under the stock repurchase program was approximately $138.3 million as of September 30, 2015.

Earnings Per Share

Earnings Per Share	9 Months Ended
	Sep. 30, 2015
Earnings Per Share [Abstract]
Earnings Per Share	9. Earnings Per Share Basic earnings per share is computed on the basis of weighted average outstanding common shares. Diluted earnings per share is computed on the basis of basic weighted average outstanding common shares adjusted for the dilutive effect of stock options and other outstanding dilutive securities. The following table reconciles the average share amounts used to compute both basic and diluted earnings per share (in thousands): Three Months Ended Nine Months Ended 2015 2014 2015 2014 Weighted average shares outstanding: Basic weighted average shares outstanding 117,922 114,484 117,035 114,603 Add: Dilutive effect of stock options 1,382 1,944 1,463 2,079 Diluted weighted average shares outstanding 119,304 116,428 118,498 116,682 The diluted earnings per share computation excludes 3.6 million and 4.0 million options to purchase shares and contingently issuable shares during the three and nine months ended September 30, 2015, respectively, as their effect would be anti-dilutive. The diluted earnings per share computation excludes 3.1 million and 3.2 million options to purchase shares, restricted share awards, and contingently issuable shares during the three and nine months ended September 30, 2014, as their effect would be anti-dilutive. Common stock outstanding as of September 30, 2015 and December 31, 2014 was 118,258,853 and 115,637,804, respectively.

Other, net

Other, net	9 Months Ended
	Sep. 30, 2015
Other Income and Expenses [Abstract]
Other, net	10. Other, net Other, net is comprised of the following items: Three Months Ended Nine Months Ended (in thousands) 2015 2014 2015 2014 Foreign currency transaction gains (losses) $ 4,314 $ 3,550 $ 3,230 $ (1,219 ) Realized gain on sale of available-for-sale securities — — 24,465 — Other — 64 — (125 ) Total $ 4,314 $ 3,614 $ 27,695 $ (1,344 ) The realized gain on sale of available-for-sale securities represents the gain on the sale of Yodlee common stock as discussed in Note 4, Fair Value of Financial Instruments.

Segment Information

Segment Information	9 Months Ended
	Sep. 30, 2015
Segment Reporting [Abstract]
Segment Information	11. Segment Information The Company’s chief operating decision maker, together with other senior management personnel, currently focus their review of consolidated financial information and the allocation of resources based on reporting of operating results, including revenues and operating income, for the geographic regions of the Americas, EMEA and Asia/Pacific and the Corporate line item. The Company’s products are sold and supported through distribution networks covering these three geographic regions, with each distribution network having its own sales force. The Company supplements its distribution networks with independent reseller and/or distributor arrangements. All administrative costs that are not directly attributable or reasonably allocable to a geographic segment are tracked in the Corporate line item. As such, the Company has concluded that its three geographic regions are its reportable segments. The Company allocates segment support expenses such as global product development, business operations, and product management based upon percentage of revenue per segment. Depreciation and amortization costs are allocated as a percentage of the headcount by segment. The Corporate line item consists of the corporate overhead costs that are not allocated to reportable segments. Corporate overhead costs relate to human resources, finance, legal, accounting, merger and acquisition activity and amortization of acquisition-related intangibles and other costs that are not considered when management evaluates segment performance. For the nine months ended September 30, 2015, the Corporate line item also includes the gain on the sale of the Company’s holdings in Yodlee. The following is selected segment financial data for the periods indicated: Three Months Ended Nine Months Ended (in thousands) 2015 2014 2015 2014 Revenues: Americas – United States $ 135,504 $ 156,650 $ 442,042 $ 447,737 Americas – Other 22,787 16,268 57,730 57,695 EMEA 60,558 56,793 178,446 161,604 Asia/Pacific 19,852 19,933 59,122 58,889 $ 238,701 $ 249,644 $ 737,340 $ 725,925 Income before income taxes: Americas $ 18,899 $ 37,746 $ 56,577 $ 80,779 EMEA 34,893 30,186 89,088 72,526 Asia/Pacific 10,041 9,048 28,613 25,130 Corporate (45,267 ) (51,815 ) (123,528 ) (149,366 ) $ 18,566 $ 25,165 $ 50,750 $ 29,069 (in thousands) September 30, December 31, Total assets: Americas – United States $ 1,138,127 $ 1,210,674 Americas – Other 28,885 32,594 EMEA 465,036 487,629 Asia/Pacific 112,616 119,803 $ 1,744,664 $ 1,850,700 No single customer accounted for more than 10% of the Company’s consolidated revenues during the three and nine months ended September 30, 2015 and 2014. No country outside the United States accounted for more than 10% of the Company’s consolidated revenues during the three and nine months ended September 30, 2015 and 2014.

Income Taxes

Income Taxes	9 Months Ended
	Sep. 30, 2015
Income Tax Disclosure [Abstract]
Income Taxes	12. Income Taxes The effective tax rate for the three months ended September 30, 2015 and September 30, 2014 was 20.4% and 37.5%, respectively. The earnings of the Company’s foreign entities for the three months ended September 30, 2015 and September 30, 2014 were $15.9 million and $7.3 million, respectively. The tax rates in the foreign jurisdictions in which the Company operates are less than the domestic tax rate. The effective tax rate for the three months ended September 30, 2015 was positively impacted by profits in certain foreign jurisdictions taxed at lower rates and negatively impacted by domestic profits taxed at higher rates and by losses in other foreign jurisdictions taxed at lower rates. The effective tax rate for the three months ended September 30, 2014 was positively impacted by profits in certain foreign jurisdictions taxed at lower rates. The effective tax rate for the three months ended September 30, 2014 was negatively impacted by domestic profits taxed at higher rates and by losses in other foreign jurisdictions taxed at lower rates. The effective tax rate for the nine months ended September 30, 2015 and September 30, 2014 was 17.9% and 27.1%, respectively. The earnings of the Company’s foreign entities for the nine months ended September 30, 2015 and September 30, 2014 were $35.9 million and $31.6 million, respectively. The tax rates in the foreign jurisdictions in which the Company operates are less than the domestic tax rate. The effective tax rate for the nine months ended September 30, 2015 was positively impacted by the gain on the sale of the Company’s investment in Yodlee as well as by profits in certain foreign jurisdictions taxed at lower rates and domestic losses taxed at higher rates. The effective tax rate for the nine months ended September 30, 2014 was positively impacted by profits in certain foreign jurisdictions taxed at lower rates and domestic losses taxed at higher rates, partially offset by losses in other foreign jurisdictions taxed at lower rates. The Company’s effective tax rate could fluctuate significantly on a quarterly basis and could be negatively affected to the extent earnings are lower in the countries in which it operates that have a lower statutory rate or higher in the countries in which it operates that have a higher statutory rate or to the extent it has losses sustained in countries where the future utilization of losses are uncertain. The Company’s effective tax rate could also fluctuate due to changes in the valuation of its deferred tax assets or liabilities, or by changes in tax laws, regulations, accounting principles, or interpretations thereof. In addition, the Company is occasionally subject to examination of its income tax returns by tax authorities in the jurisdictions it operates. The Company regularly assesses the likelihood of adverse outcomes resulting from these examinations to determine the adequacy of its provision for income taxes. The amount of unrecognized tax benefits for uncertain tax positions was $22.1 million as of September 30, 2015 and $14.8 million as of December 31, 2014, excluding related liabilities for interest and penalties of $2.3 million and $2.4 million as of September 30, 2015 and December 31, 2014, respectively. The Company believes it is reasonably possible that the total amount of unrecognized tax benefits will decrease within the next 12 months by approximately $3.3 million, due to the settlement of various audits and the expiration of statutes of limitation.

Commitments and Contingencies

Commitments and Contingencies	9 Months Ended
	Sep. 30, 2015
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	13. Commitments and Contingencies The Company records its legal expenses and other litigation and related administrative costs as general and administrative expenses in the accompanying condensed consolidated statements of income as those expenses are incurred. The Company will record any loss related to litigation at such time as an unfavorable outcome becomes probable and the amount can be reasonably estimated on an individual case-by-case basis. When the reasonable estimate is a range, the recorded loss will be the best estimate within the range. If no amount in the range is a better estimate than any other amount, the minimum amount of the range will be recorded. Legal Proceedings On September 23, 2015, a jury verdict was returned against ACI Worldwide Corp. (“ACI Corp.”), a subsidiary of the Company, for $43.8 million in connection with counterclaims brought by BHM, Inc. (“BHMI”) in the District Court of Douglas County, Nebraska. On September 21, 2012, ACI Corp. had sued BHMI for misappropriation of ACI Corp.’s trade secrets. The jury found that ACI Corp. had not met its burden of proof regarding these claims. On March 6, 2013, BHMI asserted counterclaims for breach of a non-disclosure agreement, tortious interference and violation of the Nebraska anti-monopoly statute, all of which were alleged to arise out of ACI Corp.’s filing of its lawsuit. On September 23, 2015, the jury found for BHMI on its counterclaims and awarded $43.8 million in damages. The court has not entered the verdict or ruled on ACI Corp.’s or BHMI’s post-verdict motions, including BHMI’s application to be awarded attorneys’ fees and costs, as of the date of this quarterly report. The Company disagrees with the verdict and ACI Corp. intends to appeal the dismissal of its claims against BHMI and the verdict in favor of BHMI on its counterclaims if entered by the court. While there necessarily can be no assurance of the result of the litigation, the Company has determined that it does not have a probable loss with respect to this litigation and that the amount of loss, if any, cannot be reasonably estimated. Accordingly, the Company has not accrued for this litigation. Indemnities Under certain customer contracts, the Company indemnifies customers for certain matters including third party claims of intellectual property infringement relating to the use of our products. Our maximum potential exposure under indemnification arrangements can range from a specified dollar amount to an unlimited amount, depending on the nature of the transactions and the agreements. The Company has recorded an accrual for estimated losses for demands for indemnification that have been tendered by certain customers. The Company does not have any reason to believe that we will be required to make any material payments under these indemnity provisions in excess of the balance accrued at September 30, 2015.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	9 Months Ended
	Sep. 30, 2015
Equity [Abstract]
Accumulated Other Comprehensive Loss	14. Accumulated Other Comprehensive Loss Activity within accumulated other comprehensive loss for the nine months ended September 30, 2015 were as follows: Unrealized gain on Foreign Accumulated Balance at December 31, 2014 $ 22,977 $ (42,860 ) $ (19,883 ) Other comprehensive loss (22,977 ) (25,360 ) (48,337 ) Balance at September 30, 2015 $ — $ (68,220 ) $ (68,220 )

Condensed Consolidated Financ21

Condensed Consolidated Financial Statements (Policies)	9 Months Ended
	Sep. 30, 2015
Accounting Policies [Abstract]
Receivables, net	Receivables, net Receivables represent amounts billed and amounts earned that are to be billed in the near future. Included in accrued receivables are services and software hosting revenues earned in the current period but billed in the following period as well as license revenues that are determined to be fixed and determinable but that will be billed in future periods. (in thousands) September 30, December 31, Billed Receivables $ 144,363 $ 200,392 Allowance for doubtful accounts (5,479 ) (4,806 ) Billed, net 138,884 195,586 Accrued Receivables 40,052 31,520 Receivables, net $ 178,936 $ 227,106
Other Current Assets and Other Current Liabilities	Other Current Assets and Other Current Liabilities (in thousands) September 30, 2015 December 31, Settlement deposits $ 4,686 $ 13,252 Settlement receivables 5,847 11,032 Current debt issuance costs 5,651 6,244 Other 8,680 9,889 Total other current assets $ 24,864 $ 40,417 (in thousands) September 30, 2015 December 31, Settlement payables $ 9,203 $ 21,715 Accrued interest 2,426 7,256 Vendor financed licenses 14,068 7,340 Royalties payable 3,452 4,070 Other 32,658 27,124 Total other current liabilities $ 61,807 $ 67,505 Individuals and businesses settle their obligations to the Company’s various clients, primarily utility and other public sector clients, using credit or debit cards or via ACH payments. The Company creates a receivable for the amount due from the credit or debit card company and an offsetting payable to the client. Once confirmation is received that the funds have been received, the Company settles the obligation to the client. Due to timing, in some instances, the Company may receive the funds into bank accounts controlled by and in the Company’s name that are not disbursed to its clients by the end of the day resulting in a settlement deposit on the Company’s books.
Off Balance Sheet Accounts	Off Balance Sheet Accounts The Company also enters into agreements with certain clients to process payment funds on their behalf. When an automated clearing house or automated teller machine network payment transaction is processed, a transaction is initiated to withdraw funds from the designated source account and deposit them into a settlement account, which is a trust account maintained for the benefit of the Company’s clients. A simultaneous transaction is initiated to transfer funds from the settlement account to the intended destination account. These “back to back” transactions are designed to settle at the same time, usually overnight, such that the funds are received from the source at the same time as the funds are sent to their destination. However, due to the transactions being with various financial institutions there may be timing differences that result in float balances. These funds are maintained in accounts for the benefit of the client which are separate from the Company’s corporate assets. As the Company does not take ownership of the funds, those settlement accounts are not included in the Company’s balance sheet. The Company is entitled to interest earned on the fund balances. The collection of interest on these settlement accounts is considered in the Company’s determination of its fee structure for clients and represents a portion of the payment for services performed by the Company. The amount of off balance sheet settlement funds as of September 30, 2015 and December 31, 2014 were $216.2 million and $224.9 million, respectively.
Goodwill	Goodwill Changes in the carrying amount of goodwill attributable to each reporting unit with goodwill balances during the nine months ended September 30, 2015 were as follows: (in thousands) Americas EMEA Asia/ Pacific Total Gross Balance prior to December 31, 2014 $ 523,914 $ 240,303 $ 64,378 $ 828,595 Total impairment prior to December 31, 2014 (47,432 ) — — (47,432 ) Balance, December 31, 2014 476,482 240,303 64,378 781,163 Goodwill from acquisitions (1) 2,462 (191 ) — 2,271 Foreign currency translation adjustments (1,658 ) (2,292 ) (6,224 ) (10,174 ) Balance, September 30, 2015 $ 477,286 $ 237,820 $ 58,154 $ 773,260 (1) Goodwill from acquisitions relates to adjustments in the goodwill recorded for the acquisition of Retail Decisions Europe Limited and Retail Decisions, Inc. (collectively “ReD”) as discussed in Note 2. In accordance with ASC 350, Intangibles – Goodwill and Other, The calculated fair value was substantially in excess of the current carrying value for all reporting units based upon our October 1, 2014 annual impairment test and there have been no indications of impairment in the subsequent periods.
Revenue	Revenue Vendor Specific Objective Evidence (“VSOE”) ASC 985-605, Revenue Recognition: Software Certain of the Company’s software license arrangements include PCS terms that fail to achieve VSOE of fair value due to non-substantive renewal periods, or contain a range of possible non-substantive PCS renewal amounts. For these arrangements, VSOE of fair value of PCS does not exist and revenues for the software license, PCS and services, if applicable, are considered to be one accounting unit and are therefore recognized ratably over the longer of the contractual service term or PCS term once the delivery of both services has commenced. The Company typically classifies revenues associated with these arrangements in accordance with the contractually specified amounts, which approximate fair value assigned to the various elements, including software license, maintenance and services, if applicable. This allocation methodology has been applied to the following amounts included in revenues in the condensed consolidated statements of income from arrangements for which VSOE of fair value does not exist for each undelivered element: (in thousands) Three Months Ended Nine Months Ended 2015 2014 2015 2014 License $ 1,885 $ 5,466 $ 5,810 $ 18,106 Maintenance 923 1,862 2,738 6,275 Services 55 34 289 47 Total $ 2,863 $ 7,362 $ 8,837 $ 24,428
Recently Issued Accounting Standards	Recently Issued Accounting Standards In April 2015, the FASB issued Accounting Standards Update (“ASU”) 2015-03, Simplifying the Presentation of Debt Issuance Costs, In April 2015, the FASB issued ASU 2015-05, Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement, In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers (“ASC 606”) Revenue Recognition
Fair Value of Financial Instruments	ASC 820, Fair Value Measurements and Disclosures • Level 1 Inputs – Unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date. • Level 2 Inputs – Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (such as interest rates, volatilities, prepayment speeds, credit risks, etc.) or inputs that are derived principally from or corroborated by market data by correlation or other means. • Level 3 Inputs – Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity’s own assumptions about the assumptions that market participants would use in pricing the assets or liabilities.
Earnings per share	Basic earnings per share is computed on the basis of weighted average outstanding common shares. Diluted earnings per share is computed on the basis of basic weighted average outstanding common shares adjusted for the dilutive effect of stock options and other outstanding dilutive securities.
Segment Information	The Company’s chief operating decision maker, together with other senior management personnel, currently focus their review of consolidated financial information and the allocation of resources based on reporting of operating results, including revenues and operating income, for the geographic regions of the Americas, EMEA and Asia/Pacific and the Corporate line item. The Company’s products are sold and supported through distribution networks covering these three geographic regions, with each distribution network having its own sales force. The Company supplements its distribution networks with independent reseller and/or distributor arrangements. All administrative costs that are not directly attributable or reasonably allocable to a geographic segment are tracked in the Corporate line item. As such, the Company has concluded that its three geographic regions are its reportable segments. The Company allocates segment support expenses such as global product development, business operations, and product management based upon percentage of revenue per segment. Depreciation and amortization costs are allocated as a percentage of the headcount by segment. The Corporate line item consists of the corporate overhead costs that are not allocated to reportable segments. Corporate overhead costs relate to human resources, finance, legal, accounting, merger and acquisition activity and amortization of acquisition-related intangibles and other costs that are not considered when management evaluates segment performance.

Condensed Consolidated Financ22

Condensed Consolidated Financial Statements (Tables)	9 Months Ended
	Sep. 30, 2015
Accounting Policies [Abstract]
Receivables and Concentration of Credit Risk	Receivables represent amounts billed and amounts earned that are to be billed in the near future. Included in accrued receivables are services and software hosting revenues earned in the current period but billed in the following period as well as license revenues that are determined to be fixed and determinable but that will be billed in future periods. (in thousands) September 30, December 31, Billed Receivables $ 144,363 $ 200,392 Allowance for doubtful accounts (5,479 ) (4,806 ) Billed, net 138,884 195,586 Accrued Receivables 40,052 31,520 Receivables, net $ 178,936 $ 227,106
Components of Other Current Assets and Other Current Liabilities	Other Current Assets and Other Current Liabilities (in thousands) September 30, 2015 December 31, Settlement deposits $ 4,686 $ 13,252 Settlement receivables 5,847 11,032 Current debt issuance costs 5,651 6,244 Other 8,680 9,889 Total other current assets $ 24,864 $ 40,417 (in thousands) September 30, 2015 December 31, Settlement payables $ 9,203 $ 21,715 Accrued interest 2,426 7,256 Vendor financed licenses 14,068 7,340 Royalties payable 3,452 4,070 Other 32,658 27,124 Total other current liabilities $ 61,807 $ 67,505
Changes in Carrying Amount of Goodwill	Changes in the carrying amount of goodwill attributable to each reporting unit with goodwill balances during the nine months ended September 30, 2015 were as follows: (in thousands) Americas EMEA Asia/ Pacific Total Gross Balance prior to December 31, 2014 $ 523,914 $ 240,303 $ 64,378 $ 828,595 Total impairment prior to December 31, 2014 (47,432 ) — — (47,432 ) Balance, December 31, 2014 476,482 240,303 64,378 781,163 Goodwill from acquisitions (1) 2,462 (191 ) — 2,271 Foreign currency translation adjustments (1,658 ) (2,292 ) (6,224 ) (10,174 ) Balance, September 30, 2015 $ 477,286 $ 237,820 $ 58,154 $ 773,260 (1) Goodwill from acquisitions relates to adjustments in the goodwill recorded for the acquisition of Retail Decisions Europe Limited and Retail Decisions, Inc. (collectively “ReD”) as discussed in Note 2.
Revenues in Condensed Consolidated Statements of Operations from Arrangements for which Vendor-Specific Objective Evidence of Fair Value Does Not Exist for Each Undelivered Element	This allocation methodology has been applied to the following amounts included in revenues in the condensed consolidated statements of income from arrangements for which VSOE of fair value does not exist for each undelivered element: (in thousands) Three Months Ended Nine Months Ended 2015 2014 2015 2014 License $ 1,885 $ 5,466 $ 5,810 $ 18,106 Maintenance 923 1,862 2,738 6,275 Services 55 34 289 47 Total $ 2,863 $ 7,362 $ 8,837 $ 24,428

Acquisitions (Tables)

Acquisitions (Tables)	9 Months Ended
	Sep. 30, 2015
Business Combinations [Abstract]
Preliminary Purchase Price Allocation	In connection with the acquisition, the Company recorded the following amounts based upon its purchase price allocation as of September 30, 2015. (in thousands, except weighted average useful lives) Weighted-Average Retail Decisions Current assets: Cash and cash equivalents $ 795 Billed and accrued receivables, net 10,106 Deferred income taxes, net 514 Other current assets 10,282 Total current assets acquired 21,697 Noncurrent assets: Property and equipment 3,354 Goodwill 137,915 Software 5-7 years 33,136 Customer relationships 18 years 50,480 Trademarks 5 years 3,980 Deferred income taxes 51 Other noncurrent assets 416 Total assets acquired 251,029 Current liabilities: Accounts payable 4,624 Employee compensation 6,046 Other current liabilities 11,683 Total current liabilities acquired 22,353 Noncurrent liabilities: Deferred income taxes 23,427 Other noncurrent liabilities 164 Total liabilities acquired 45,944 Net assets acquired $ 205,085

Debt (Tables)

Debt (Tables)	9 Months Ended
	Sep. 30, 2015
Debt Disclosure [Abstract]
Maturities on Long-Term Debt Outstanding	Maturities on long-term debt outstanding at September 30, 2015 are as follows: Fiscal year ending December 31, (in thousands) 2015 $ 23,823 2016 95,293 2017 95,293 2018 269,997 2019 — Thereafter 300,000 Total $ 784,406
Carrying Value of Debt	(in thousands) As of September 30, 2015 As of December 31, Term credit facility $ 484,406 $ 547,935 Revolving credit facility — 44,000 6.375% Senior Notes, due August 2020 300,000 300,000 Total debt 784,406 891,935 Less current portion of term credit facility 95,293 87,352 Total long-term debt $ 689,113 $ 804,583

Stock-Based Compensation Plans

Stock-Based Compensation Plans (Tables)	9 Months Ended
	Sep. 30, 2015
Summary of Stock Options Issued Pursuant to Stock Incentive Plans	A summary of stock options issued pursuant to the Company’s stock incentive plans is as follows: Number of Weighted- Weighted- Aggregate Outstanding as of December 31, 2014 5,282,693 $ 12.06 Granted 2,055,514 19.12 Exercised (1,108,965 ) 10.42 Forfeited (365,286 ) 19.08 Expired (593 ) 20.51 Outstanding as of September 30, 2015 5,863,363 $ 14.41 6.53 $ 39,394,952 Exercisable as of September 30, 2015 3,285,184 $ 10.85 4.68 $ 33,735,724
Summary of Nonvested Restricted Share Awards and Changes During Period	A summary of nonvested restricted share awards (“RSAs”) as of September 30, 2015 and changes during the period are as follows: Nonvested Restricted Share Awards Number of Weighted-Average Grant Nonvested as of December 31, 2014 183,209 $ 17.11 Granted 118,978 23.80 Vested (158,217 ) 17.20 Nonvested as of September 30, 2015 143,970 $ 22.54
Online Resources Corporation [Member]
Summary of Stock Options Issued Pursuant to Stock Incentive Plans	A summary of transaction stock options issued pursuant to the Company’s stock incentive plans is as follows: Number of Weighted- Weighted- Aggregate Outstanding as of December 31, 2014 46,512 $ 36.73 Exercised (240 ) 13.92 Expired (8,187 ) 45.07 Outstanding as of September 30, 2015 38,085 $ 35.09 1.18 $ 48,319 Exercisable as of September 30, 2015 38,085 $ 35.09 1.18 $ 48,319
Black-Scholes Option-Pricing Model [Member]
Estimated Fair Value of Options Granted Pricing Model with Weighted-Average Assumptions	The fair value of options granted during the nine months ended September 30, 2015 and 2014 was estimated on the date of grant using the Black-Scholes option-pricing , Nine Months Ended Nine Months Ended Expected life (years) 5.93 5.93 Interest rate 1.4 % 1.8 % Volatility 32.1 % 45.2 % Dividend yield — —
Monte Carlo Simulation [Member]
Estimated Fair Value of Options Granted Pricing Model with Weighted-Average Assumptions	With respect to options granted that vest based on the achievement of certain market conditions, the grant date fair value of such options was estimated using the following weighted-average assumptions: Nine Months Ended Expected life (years) 7.50 Interest rate 1.7 % Volatility 41.9 % Dividend yield —
LTIP Performance Shares [Member]
Summary of Nonvested Performance-Based Share Awards and Changes During Period	A summary of nonvested long-term incentive program performance share awards (“LTIP performance shares”) outstanding as of September 30, 2015 and changes during the period are as follows: Nonvested LTIP Performance Shares Number of Weighted- Nonvested as of December 31, 2014 1,145,916 $ 14.84 Granted 1,025,863 19.12 Forfeited (195,919 ) 19.41 Vested (548,671 ) 9.75 Change in expected attainment for 2011 and 2013 grants (528,303 ) 19.44 Nonvested as of September 30, 2015 898,886 $ 19.13
S1 Corporation 2003 Stock Incentive Plan [Member]
Summary of Nonvested Restricted Share Awards and Changes During Period	A summary of nonvested Transaction RSAs issued under the S1 Corporation 2003 Stock Incentive Plan as of September 30, 2015 and changes during the period are as follows: Nonvested Transaction Restricted Share Awards Number of Weighted-Average Grant Nonvested as of December 31, 2014 17,565 $ 11.80 Forfeited (4,364 ) 11.80 Nonvested as of September 30, 2015 13,201 $ 11.80
Performance-Based Restricted Share Awards [Member]
Summary of Nonvested Performance-Based Share Awards and Changes During Period	A summary of nonvested PBRSAs as of September 30, 2015 and changes during the period are as follows: Nonvested Performance-Based Restricted Share Awards Number of Performance-Based Weighted-Average Grant Nonvested as of December 31, 2014 — $ — Granted 978,365 23.45 Forfeited (32,520 ) 24.41 Nonvested as of September 30, 2015 945,845 $ 23.42

Software and Other Intangible26

Software and Other Intangible Assets (Tables)	9 Months Ended
	Sep. 30, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Carrying Amount and Accumulated Amortization of Other Intangible Assets	The carrying amount and accumulated amortization of the Company’s other intangible assets that were subject to amortization at each balance sheet date are as follows: September 30, 2015 December 31, 2014 (in thousands) Gross Accumulated Net Balance Gross Accumulated Net Balance Customer relationships $ 315,577 $ (81,736 ) $ 233,841 $ 322,216 $ (68,616 ) $ 253,600 Trademarks and tradenames 15,631 (9,945 ) 5,686 15,767 (7,946 ) 7,821 Purchased Contracts 10,727 (10,727 ) — 10,768 (10,768 ) — Covenant not to compete 417 (417 ) — 433 (418 ) 15 $ 342,352 $ (102,825 ) $ 239,527 $ 349,184 $ (87,748 ) $ 261,436
Estimated Amortization Expense for Future Fiscal Years Based on Capitalized Software and Other Intangible Assets	Based on capitalized software and other intangible assets at September 30, 2015, estimated amortization expense for future fiscal years is as follows: Fiscal Year Ending December 31, Software Other (in thousands) Remainder of 2015 $ 13,979 $ 5,567 2016 47,753 21,356 2017 39,778 19,854 2018 27,939 19,346 2019 22,676 18,749 2020 21,421 17,903 Thereafter 28,696 136,752 Total $ 202,242 $ 239,527

Corporate Restructuring and O27

Corporate Restructuring and Other Organizational Changes (Tables)	9 Months Ended
	Sep. 30, 2015
Restructuring and Related Activities [Abstract]
Components of Corporate Restructuring and Other Reorganization Activities from Recent Acquisitions	The components of corporate restructuring and other reorganization activities from the recent acquisitions are included in the following table: (in thousands) Severance Facility Total Balance, December 31, 2014 $ 2,341 $ 452 $ 2,793 Restructuring charges incurred 1,338 — 1,338 Amounts paid during the period (2,651 ) (138 ) (2,789 ) Foreign currency translation (28 ) — (28 ) Balance, September 30, 2015 $ 1,000 $ 314 $ 1,314

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2015
Earnings Per Share [Abstract]
Reconciliation of Average Share Amounts used to Compute Both Basic and Diluted Earnings Per Share	The following table reconciles the average share amounts used to compute both basic and diluted earnings per share (in thousands): Three Months Ended Nine Months Ended 2015 2014 2015 2014 Weighted average shares outstanding: Basic weighted average shares outstanding 117,922 114,484 117,035 114,603 Add: Dilutive effect of stock options 1,382 1,944 1,463 2,079 Diluted weighted average shares outstanding 119,304 116,428 118,498 116,682

Other, net (Tables)

Other, net (Tables)	9 Months Ended
	Sep. 30, 2015
Other Income and Expenses [Abstract]
Other, Net	Other, net is comprised of the following items: Three Months Ended Nine Months Ended (in thousands) 2015 2014 2015 2014 Foreign currency transaction gains (losses) $ 4,314 $ 3,550 $ 3,230 $ (1,219 ) Realized gain on sale of available-for-sale securities — — 24,465 — Other — 64 — (125 ) Total $ 4,314 $ 3,614 $ 27,695 $ (1,344 )

Segment Information (Tables)

Segment Information (Tables)	9 Months Ended
	Sep. 30, 2015
Segment Reporting [Abstract]
Selected Segment Financial Data, Revenues and Income Before Income Taxes	The following is selected segment financial data for the periods indicated: Three Months Ended Nine Months Ended (in thousands) 2015 2014 2015 2014 Revenues: Americas – United States $ 135,504 $ 156,650 $ 442,042 $ 447,737 Americas – Other 22,787 16,268 57,730 57,695 EMEA 60,558 56,793 178,446 161,604 Asia/Pacific 19,852 19,933 59,122 58,889 $ 238,701 $ 249,644 $ 737,340 $ 725,925 Income before income taxes: Americas $ 18,899 $ 37,746 $ 56,577 $ 80,779 EMEA 34,893 30,186 89,088 72,526 Asia/Pacific 10,041 9,048 28,613 25,130 Corporate (45,267 ) (51,815 ) (123,528 ) (149,366 ) $ 18,566 $ 25,165 $ 50,750 $ 29,069
Selected Segment Financial Data, Assets	(in thousands) September 30, December 31, Total assets: Americas – United States $ 1,138,127 $ 1,210,674 Americas – Other 28,885 32,594 EMEA 465,036 487,629 Asia/Pacific 112,616 119,803 $ 1,744,664 $ 1,850,700

Accumulated Other Comprehensi31

Accumulated Other Comprehensive Loss (Tables)	9 Months Ended
	Sep. 30, 2015
Equity [Abstract]
Activity within Accumulated Other Comprehensive Loss	Activity within accumulated other comprehensive loss for the nine months ended September 30, 2015 were as follows: Unrealized gain on Foreign Accumulated Balance at December 31, 2014 $ 22,977 $ (42,860 ) $ (19,883 ) Other comprehensive loss (22,977 ) (25,360 ) (48,337 ) Balance at September 30, 2015 $ — $ (68,220 ) $ (68,220 )

Condensed Consolidated Financ32

Condensed Consolidated Financial Statements - Receivables and Concentration of Credit Risk (Detail) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Accounting Policies [Abstract]
Billed Receivables	$ 144,363	$ 200,392
Allowance for doubtful accounts	(5,479)	(4,806)
Billed, net	138,884	195,586
Accrued Receivables	40,052	31,520
Receivables, net	$ 178,936	$ 227,106

Condensed Consolidated Financ33

Condensed Consolidated Financial Statements - Components of Other Current Assets and Other Current Liabilities (Detail) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Nature Of Business And Summary Of Significant Accounting Policies [Line Items]
Current debt issuance costs	$ 5,651	$ 6,244
Other	8,680	9,889
Total other current assets	24,864	40,417
Settlement payables	9,203	21,715
Accrued interest	2,426	7,256
Vendor financed licenses	14,068	7,340
Royalties payable	3,452	4,070
Other	32,658	27,124
Total other current liabilities	61,807	67,505
Settlement deposits [Member]
Nature Of Business And Summary Of Significant Accounting Policies [Line Items]
Other assets settlement	4,686	13,252
Settlement receivables [Member]
Nature Of Business And Summary Of Significant Accounting Policies [Line Items]
Other assets settlement	$ 5,847	$ 11,032

Condensed Consolidated Financ34

Condensed Consolidated Financial Statements - Additional Information (Detail) - USD ($) $ in Millions	Sep. 30, 2015	Dec. 31, 2014
Accounting Policies [Abstract]
Amount of off balance sheet settlement funds	$ 216.2	$ 224.9

Condensed Consolidated Financ35

Condensed Consolidated Financial Statements - Changes in Carrying Amount of Goodwill (Detail) - USD ($) $ in Thousands		9 Months Ended
		Sep. 30, 2015	Dec. 31, 2014
Goodwill [Line Items]
Gross Balance prior to the end of year			$ 828,595
Total impairment, beginning of period			(47,432)
Beginning Balance		$ 781,163
Goodwill from acquisitions	[1]	2,271
Foreign currency translation adjustments		(10,174)
Ending Balance		773,260
Americas [Member]
Goodwill [Line Items]
Gross Balance prior to the end of year			523,914
Total impairment, beginning of period			(47,432)
Beginning Balance		476,482
Goodwill from acquisitions	[1]	2,462
Foreign currency translation adjustments		(1,658)
Ending Balance		477,286
EMEA [Member]
Goodwill [Line Items]
Gross Balance prior to the end of year			240,303
Beginning Balance		240,303
Goodwill from acquisitions	[1]	(191)
Foreign currency translation adjustments		(2,292)
Ending Balance		237,820
Asia/Pacific [Member]
Goodwill [Line Items]
Gross Balance prior to the end of year			$ 64,378
Beginning Balance		64,378
Foreign currency translation adjustments		(6,224)
Ending Balance		$ 58,154
[1]	Goodwill from acquisitions relates to adjustments in the goodwill recorded for the acquisition of Retail Decisions Europe Limited and Retail Decisions, Inc. (collectively "ReD") as discussed in Note 2.

Condensed Consolidated Financ36

Condensed Consolidated Financial Statements - Revenues in Condensed Consolidated Statements of Operations from Arrangements for which Vendor-Specific Objective Evidence of Fair Value Does Not Exist for Each Undelivered Element (Detail) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Revenue Recognition, Milestone Method [Line Items]
License	$ 50,237	$ 57,653	$ 156,975	$ 154,732
Maintenance	59,262	63,764	178,895	188,572
Services	25,842	28,194	72,449	75,773
Total revenues	238,701	249,644	737,340	725,925
Vendor Specific Objective Evidence of Fair Value [Member]
Revenue Recognition, Milestone Method [Line Items]
License	1,885	5,466	5,810	18,106
Maintenance	923	1,862	2,738	6,275
Services	55	34	289	47
Total revenues	$ 2,863	$ 7,362	$ 8,837	$ 24,428

Acquisitions - Additional Infor

Acquisitions - Additional Information (Detail) $ in Thousands, € in Millions	Nov. 04, 2015USD ($)	Nov. 04, 2015EUR (€)	Aug. 12, 2014USD ($)	Sep. 30, 2015USD ($)	Sep. 30, 2014USD ($)	Sep. 30, 2015USD ($)	Sep. 30, 2014USD ($)	Dec. 31, 2014USD ($)
Business Acquisition [Line Items]
Additional borrowing						$ 112,000	$ 149,500
Business acquisition cash paid			$ 205,100
Acquisition related transaction expenses								$ 2,700
Operating Income (loss)				$ 23,886	$ 31,869	53,975	58,901
Subsequent Event
Business Acquisition [Line Items]
Business combination, cash and stock consideration	$ 200,000	€ 180
Percentage of ownership interest acquired	100.00%	100.00%
Revolving Credit Facility
Business Acquisition [Line Items]
Additional borrowing			60,500
Revolving Credit Facility | Subsequent Event
Business Acquisition [Line Items]
Additional borrowing	$ 181,500
Term Credit Facility [Member]
Business Acquisition [Line Items]
Additional borrowing			$ 150,000
Retail Decisions [Member]
Business Acquisition [Line Items]
Revenue				10,200	5,800	30,300	5,800
Operating Income (loss)				$ (1,800)	$ 100	$ (5,600)	$ 100

Acquisitions - Purchase Price A

Acquisitions - Purchase Price Allocation, in Connection with Acquisitions (Detail) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Business Acquisition [Line Items]
Goodwill	$ 773,260	$ 781,163
Retail Decisions [Member]
Business Acquisition [Line Items]
Cash and cash equivalents	795
Billed and accrued receivables, net	10,106
Deferred income taxes, net	514
Other current assets	10,282
Total current assets acquired	21,697
Property and equipment	3,354
Goodwill	137,915
Deferred income taxes	51
Other noncurrent assets	416
Total assets acquired	251,029
Accounts payable	4,624
Employee compensation	6,046
Other current liabilities	11,683
Total current liabilities acquired	22,353
Deferred income taxes	23,427
Other noncurrent liabilities	164
Total liabilities acquired	45,944
Net assets acquired	205,085
Software [Member] | Retail Decisions [Member]
Business Acquisition [Line Items]
Amortizable intangible assets	$ 33,136
Software [Member] | Retail Decisions [Member] | Minimum [Member]
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	5 years
Software [Member] | Retail Decisions [Member] | Maximum [Member]
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	7 years
Customer relationships [Member] | Retail Decisions [Member]
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	18 years
Amortizable intangible assets	$ 50,480
Trademarks [Member] | Retail Decisions [Member]
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	5 years
Amortizable intangible assets	$ 3,980

Debt - Additional Information (

Debt - Additional Information (Detail) - USD ($)	Aug. 20, 2013	Nov. 10, 2011	Sep. 30, 2015
Debt Instrument [Line Items]
Credit facility, interest rate description			The applicable margin for borrowings under the Revolving Credit Facility is, based on the calculation of the applicable consolidated total leverage ratio, between 0.50% to 1.50% with respect to base rate borrowings and between 1.50% and 2.50% with respect to LIBOR based borrowings. Interest is due and payable monthly. The interest rate in effect at September 30, 2015 for the Credit Facility was 0%.
Credit facility, interest rate margin above federal fund rate			1.00%
Credit facility, interest rate margin above one-month LIBOR rate			1.00%
Credit facility, borrowing rate			0.0245%
Credit Facility maturity date			Aug. 20, 2018
Minimum [Member]
Debt Instrument [Line Items]
Credit facility, interest rate margin above base rate			0.50%
Credit facility, interest rate margin above LIBOR rate			1.50%
Maximum [Member]
Debt Instrument [Line Items]
Credit facility, interest rate margin above base rate			1.50%
Credit facility, interest rate margin above LIBOR rate			2.50%
Senior Notes [Member]
Debt Instrument [Line Items]
Senior notes amount outstanding	$ 300,000,000		$ 300,000,000
Issue price percentage of senior notes of the principal amount	100.00%
Percentage of interest rate on notes	6.375%
Maturity date of senior notes	Aug. 15, 2020
License Agreement [Member]
Debt Instrument [Line Items]
Financed internally-used software			$ 16,100,000
License agreement period			3 years
Annual payments due date			May of 2017
Total other liabilities			$ 12,800,000
Other current liabilities			5,800,000
Other noncurrent liabilities			7,000,000
Revolving Credit Facility
Debt Instrument [Line Items]
Unused borrowings			250,000,000
Credit facilities, maximum borrowing capacity		$ 250,000,000
Credit facilities, maturity		5 years
Term Credit Facility [Member]
Debt Instrument [Line Items]
Line of credit facility amount outstanding			$ 484,400,000
Credit facilities, maximum borrowing capacity		$ 650,000,000
Credit facilities, maturity		5 years
Parent Company and Domestic Subsidiaries [Member]
Debt Instrument [Line Items]
Percentage of capital stock pledged as collateral			100.00%
Foreign Subsidiaries [Member]
Debt Instrument [Line Items]
Percentage of capital stock pledged as collateral			65.00%

Debt - Maturities on Long-Term

Debt - Maturities on Long-Term Debt Outstanding (Detail) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Debt Disclosure [Abstract]
2,015	$ 23,823
2,016	95,293
2,017	95,293
2,018	269,997
2,019	0
Thereafter	300,000
Total	$ 784,406	$ 891,935

Debt - Carrying Value of Debt (

Debt - Carrying Value of Debt (Detail) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Debt Instrument [Line Items]
Total debt	$ 784,406	$ 891,935
Less current portion of term credit facility	95,293	87,352
Total long-term debt	689,113	804,583
6.375% Senior Notes, due August 2020 [Member]
Debt Instrument [Line Items]
Total debt	300,000	300,000
Term Credit Facility [Member]
Debt Instrument [Line Items]
Total debt	$ 484,406	547,935
Revolving Credit Facility
Debt Instrument [Line Items]
Total debt		$ 44,000

Debt - Carrying Value of Debt42

Debt - Carrying Value of Debt (Parenthetical) (Detail) - 6.375% Senior Notes, due August 2020 [Member]	9 Months Ended
	Sep. 30, 2015
Debt Instrument [Line Items]
Percentage of interest rate on notes	6.375%
Maturity date of senior notes	Aug. 15, 2020

Fair Value of Financial Instr43

Fair Value of Financial Instruments - Additional Information (Detail) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale Securities, Fair Value		$ 33,824
Realized gain on sale of available-for-sale securities	$ 24,465
Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value senior note	313,500	315,000
Yodlee, Inc. [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Realized gain on sale of available-for-sale securities	$ 24,500
Yodlee, Inc. [Member] | Equity securities [Member] | Quoted prices in active markets for identical assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale Securities, Fair Value		$ 33,800

Stock-Based Compensation Plan44

Stock-Based Compensation Plans - Additional Information (Detail)	Sep. 15, 2015	Sep. 30, 2015USD ($)Trancheshares	Sep. 30, 2014USD ($)	Sep. 30, 2015USD ($)Tranche$ / sharesshares	Sep. 30, 2014USD ($)$ / sharesshares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares issued under ESPP | shares				123,866	109,825
Incentive plan, percentage of options expected to vest over the vesting period		93.10%		93.10%
Incentive plan, weighted-average grant date fair value of stock options granted | $ / shares				$ 6.49	$ 9.02
Incentive plan, total intrinsic value of stock options exercised				$ 12,100,000	$ 15,300,000
Dividend yield				0.00%
Dividend paid | $ / shares				$ 0
Number of tranches | Tranche		3		3
Stock-based compensation expenses		$ 800,000	$ 4,600,000	$ 10,050,000	13,742,000
Stock-based compensation expenses tax benefits		300,000	$ 1,700,000	3,800,000	5,200,000
Proceeds from exercises of stock options				11,554,000	11,106,000
Actual tax benefit realized from tax deductions of option exercises				$ 4,600,000	$ 5,800,000
Tranche One [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, vested grant date fair value | $ / shares				$ 8.01
Share-based compensation, trading price percentage				133.00%
Consecutive trading days				20 days
Tranche Two [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, vested grant date fair value | $ / shares				$ 7.56
Share-based compensation, trading price percentage				167.00%
Consecutive trading days				20 days
Tranche Three [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, vested grant date fair value | $ / shares				$ 7
Share-based compensation, trading price percentage				200.00%
Consecutive trading days				20 days
Restricted share awards (RSAs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock based compensation awards, shares vested | shares				158,217
Shares withheld to pay employees' portion of minimum payroll withholding taxes | shares				24,983
Unrecognized compensation costs		2,300,000		$ 2,300,000
Unrecognized compensation costs, weighted-average recognition periods				1 year 4 months 24 days
Performance-Based Restricted Share Awards [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	1 year 3 months 18 days
Unrecognized compensation costs		18,000,000		$ 18,000,000
Unrecognized compensation costs, weighted-average recognition periods				1 year 7 months 6 days
Performance-Based Restricted Share Awards [Member] | Tranche One [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period				3 years
Award vesting percentage for each year				33.00%
Threshold level percentage for share awards				150.00%
Award grants assuming percentage				100.00%
Performance-Based Restricted Share Awards [Member] | Tranche Two [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting percentage for each year				33.00%
Performance-Based Restricted Share Awards [Member] | Tranche Three [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting percentage for each year				33.00%
2012 Grant
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected attainment level for the awards granted, percentage				0.00%
Stock Based Compensation Plans Twenty Fifteen Grant [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected attainment level for the awards granted, percentage				100.00%
Maximum [Member] | 2013 Grant
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected attainment level for the awards granted, percentage				75.00%
Minimum [Member] | 2013 Grant
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected attainment level for the awards granted, percentage				0.00%
Share based compensation expense reversal		5,600,000		$ 5,600,000
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation costs		$ 11,400,000		$ 11,400,000
Unrecognized compensation costs, weighted-average recognition periods				2 years 1 month 6 days
Employee Stock Purchase Plan 1999 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares of common stock reserved for issuance | shares		4,500,000		4,500,000
Permitted designation for purchase of common stock under ESPP				Participating employees are permitted to designate up to the lesser of $25,000 or 10% of their annual base compensation for the purchase of common stock under the ESPP. Purchases under the ESPP are made one calendar month after the end of each fiscal quarter.
Employee participating annual base compensation designated for purchase of common stock, amount		$ 25,000		$ 25,000
Employee participating annual base compensation designated for purchase of common stock, percent		10.00%		10.00%
Price of common stock purchased under ESPP, description				The price for shares of common stock purchased under the ESPP is 85% of the stock's fair market value on the last business day of the three-month participation period.
Price of common stock purchased under ESPP, percent				85.00%
LTIP Performance Shares [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock based compensation awards, shares vested | shares				548,671
Shares withheld to pay employees' portion of minimum payroll withholding taxes | shares				196,169
Unrecognized compensation costs		$ 12,500,000		$ 12,500,000
Unrecognized compensation costs, weighted-average recognition periods				2 years 7 months 6 days

Stock-Based Compensation Plan45

Stock-Based Compensation Plans - Summary of Stock Options Issued Pursuant to Stock Incentive Plans (Detail)	9 Months Ended
	Sep. 30, 2015USD ($)$ / sharesshares
Number of Shares
Outstanding, Beginning Balance | shares	5,282,693
Granted | shares	2,055,514
Exercised | shares	(1,108,965)
Forfeited | shares	(365,286)
Expired | shares	(593)
Outstanding, Ending Balance | shares	5,863,363
Number of Shares Exercisable, Ending Balance | shares	3,285,184
Weighted-Average Exercise Price
Beginning Balance	$ 12.06
Granted	19.12
Exercised	10.42
Forfeited	19.08
Expired	20.51
Ending Balance	14.41
Weighted-Average Exercise Price Exercisable, Ending Balance	$ 10.85
Weighted-Average Remaining Contractual Term (Years)
Weighted-Average Remaining Contractual Term (Years), Outstanding as of end of period	6 years 6 months 11 days
Weighted-Average Remaining Contractual Term (Years), Exercisable as of end of period	4 years 8 months 5 days
Aggregate Intrinsic Value of In-the-Money Options
Aggregate Intrinsic Value of In-the-Money Options, Outstanding as of end of period | $	$ 39,394,952
Aggregate Intrinsic Value of In-the-Money Options, Exercisable as of end of period | $	$ 33,735,724
Online Resources Corporation [Member]
Number of Shares
Outstanding, Beginning Balance | shares	46,512
Exercised | shares	(240)
Expired | shares	(8,187)
Outstanding, Ending Balance | shares	38,085
Number of Shares Exercisable, Ending Balance | shares	38,085
Weighted-Average Exercise Price
Beginning Balance	$ 36.73
Exercised	13.92
Expired	45.07
Ending Balance	35.09
Weighted-Average Exercise Price Exercisable, Ending Balance	$ 35.09
Weighted-Average Remaining Contractual Term (Years)
Weighted-Average Remaining Contractual Term (Years), Outstanding as of end of period	1 year 2 months 5 days
Weighted-Average Remaining Contractual Term (Years), Exercisable as of end of period	1 year 2 months 5 days
Aggregate Intrinsic Value of In-the-Money Options
Aggregate Intrinsic Value of In-the-Money Options, Outstanding as of end of period | $	$ 48,319
Aggregate Intrinsic Value of In-the-Money Options, Exercisable as of end of period | $	$ 48,319

Stock-Based Compensation Plan46

Stock-Based Compensation Plans - Estimated Fair Value of Options Granted using Black-Scholes Option-Pricing Model with Weighted-Average Assumptions (Detail)	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Dividend yield	0.00%
Black-Scholes Option-Pricing Model [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected life (years)	5 years 11 months 5 days	5 years 11 months 5 days
Interest rate	1.40%	1.80%
Volatility	32.10%	45.20%
Dividend yield	0.00%	0.00%
Monte Carlo Simulation [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected life (years)	7 years 6 months
Interest rate	1.70%
Volatility	41.90%
Dividend yield	0.00%

Stock-Based Compensation Plan47

Stock-Based Compensation Plans - Summary of Nonvested Performance Based Share Awards and Changes During Period (Detail)	9 Months Ended
	Sep. 30, 2015$ / sharesshares
LTIP Performance Shares [Member]
Number of Shares at Expected Attainment
Beginning Balance | shares	1,145,916
Granted | shares	1,025,863
Forfeited | shares	(195,919)
Vested | shares	(548,671)
Change in expected attainment for 2011 and 2013 grants | shares	(528,303)
Ending Balance | shares	898,886
Weighted-Average Grant Date Fair Value
Beginning Balance	$ 14.84
Granted	19.12
Forfeited	19.41
Vested	9.75
Change in expected attainment for 2011 and 2013 grants	19.44
Ending Balance	$ 19.13
Performance-Based Restricted Share Awards [Member]
Number of Shares at Expected Attainment
Granted | shares	978,365
Forfeited | shares	(32,520)
Ending Balance | shares	945,845
Weighted-Average Grant Date Fair Value
Granted	$ 23.45
Forfeited	24.41
Ending Balance	$ 23.42

Stock-Based Compensation Plan48

Stock-Based Compensation Plans - Summary of Nonvested Restricted Share Awards and Changes During Period (Detail) - Restricted share awards (RSAs) [Member]	9 Months Ended
	Sep. 30, 2015$ / sharesshares
Nonvested Restricted Share Awards
Beginning Balance | shares	183,209
Granted | shares	118,978
Vested | shares	(158,217)
Ending Balance | shares	143,970
Weighted-Average Grant Date Fair Value
Beginning Balance	$ 17.11
Granted	23.80
Vested	17.20
Ending Balance	$ 22.54

Stock-Based Compensation Plan49

Stock-Based Compensation Plans - Summary of Nonvested Transaction Restricted Share Awards Issued under Stock Incentive Plan and Changes During Period (Detail) - S1 Corporation 2003 Stock Incentive Plan [Member]	9 Months Ended
	Sep. 30, 2015$ / sharesshares
Nonvested Restricted Share Awards
Beginning Balance | shares	17,565
Forfeited | shares	(4,364)
Ending Balance | shares	13,201
Weighted-Average Grant Date Fair Value
Beginning Balance	$ 11.80
Forfeited	11.80
Ending Balance	$ 11.80

Software and Other Intangible50

Software and Other Intangible Assets - Additional Information (Detail) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Finite-Lived Intangible Assets [Line Items]
Software, net	$ 202,242		$ 202,242		$ 209,507
Software, accumulated amortization	149,700		149,700		121,600
Other intangible assets amortization expense	5,600	$ 6,100	17,100	$ 18,400
Software Marketed for External Sale [Member]
Finite-Lived Intangible Assets [Line Items]
Software, net	74,300		74,300		85,900
Software, amortization expense	3,400	3,800	$ 10,900	10,900
Software Marketed for External Sale [Member] | Minimum [Member]
Finite-Lived Intangible Assets [Line Items]
Estimated useful life			3 years
Software Marketed for External Sale [Member] | Maximum [Member]
Finite-Lived Intangible Assets [Line Items]
Estimated useful life			10 years
Software Acquired or Developed for Internal Use [Member]
Finite-Lived Intangible Assets [Line Items]
Software, net	127,900		$ 127,900		$ 123,600
Software, amortization expense	$ 9,400	$ 7,700	$ 27,000	$ 18,900
Software Acquired or Developed for Internal Use [Member] | Minimum [Member]
Finite-Lived Intangible Assets [Line Items]
Estimated useful life			3 years
Software Acquired or Developed for Internal Use [Member] | Maximum [Member]
Finite-Lived Intangible Assets [Line Items]
Estimated useful life			10 years

Software and Other Intangible51

Software and Other Intangible Assets - Carrying Amount and Accumulated Amortization of Other Intangible Assets (Detail) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	$ 342,352	$ 349,184
Accumulated Amortization	(102,825)	(87,748)
Net Balance	239,527	261,436
Customer relationships [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	315,577	322,216
Accumulated Amortization	(81,736)	(68,616)
Net Balance	233,841	253,600
Trademarks and tradenames [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	15,631	15,767
Accumulated Amortization	(9,945)	(7,946)
Net Balance	5,686	7,821
Purchased contracts [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	10,727	10,768
Accumulated Amortization	(10,727)	(10,768)
Covenant not to compete [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	417	433
Accumulated Amortization	$ (417)	(418)
Net Balance		$ 15

Software and Other Intangible52

Software and Other Intangible Assets - Estimated Amortization Expense for Future Fiscal Years Based on Capitalized Intangible Assets (Detail) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Finite-Lived Intangible Assets [Line Items]
Total	$ 239,527	$ 261,436
Software [Member]
Finite-Lived Intangible Assets [Line Items]
Remainder of 2015	13,979
2,016	47,753
2,017	39,778
2,018	27,939
2,019	22,676
2,020	21,421
Thereafter	28,696
Total	202,242
Other Intangible Assets [Member]
Finite-Lived Intangible Assets [Line Items]
Remainder of 2015	5,567
2,016	21,356
2,017	19,854
2,018	19,346
2,019	18,749
2,020	17,903
Thereafter	136,752
Total	$ 239,527

Corporate Restructuring and O53

Corporate Restructuring and Other Organizational Changes - Additional Information (Detail) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Restructuring Cost and Reserve [Line Items]
Employee termination costs (adjustments)	$ 0	$ 3,200,000	$ 1,300,000	$ 6,000,000
Restructuring severance costs			$ 2,700,000
Liability is expected to be paid			12 months
Unpaid severance liability	1,000,000		$ 1,000,000
Remaining liability paid to employees	800,000		800,000
Employee termination costs paid during the period				6,300,000
Restructuring charges	1,314,000		1,314,000		$ 2,793,000
Other Noncurrent Liabilities [Member]
Restructuring Cost and Reserve [Line Items]
Restructuring charges	200,000		200,000
Severance [Member]
Restructuring Cost and Reserve [Line Items]
Restructuring charges	1,000,000		1,000,000		2,341,000
Employee Compensation [Member]
Restructuring Cost and Reserve [Line Items]
Restructuring charges	800,000		800,000
Facility Closures [Member]
Restructuring Cost and Reserve [Line Items]
Restructuring charges	$ 314,000		314,000		$ 452,000
Americas [Member]
Restructuring Cost and Reserve [Line Items]
Employee termination costs (adjustments)		1,700,000	700,000	3,800,000
Asia/Pacific [Member]
Restructuring Cost and Reserve [Line Items]
Employee termination costs (adjustments)		500,000		1,000,000
EMEA [Member]
Restructuring Cost and Reserve [Line Items]
Employee termination costs (adjustments)		$ 1,000,000	$ 600,000	$ 1,200,000

Corporate Restructuring and O54

Corporate Restructuring and Other Organizational Changes - Components of Corporate Restructuring and Other Reorganization Activities from Recent Acquisitions (Detail) $ in Thousands	9 Months Ended
	Sep. 30, 2015USD ($)
Restructuring Cost and Reserve [Line Items]
Beginning balance	$ 2,793
Restructuring charges incurred	1,338
Amounts paid during the period	(2,789)
Foreign currency translation	(28)
Ending balance	1,314
Severance [Member]
Restructuring Cost and Reserve [Line Items]
Beginning balance	2,341
Restructuring charges incurred	1,338
Amounts paid during the period	(2,651)
Foreign currency translation	(28)
Ending balance	1,000
Facility Closures [Member]
Restructuring Cost and Reserve [Line Items]
Beginning balance	452
Amounts paid during the period	(138)
Ending balance	$ 314

Common Stock and Treasury Sto55

Common Stock and Treasury Stock - Additional Information (Detail) - USD ($)	9 Months Ended	36 Months Ended
	Sep. 30, 2015	Dec. 31, 2014	Feb. 28, 2014	Jul. 31, 2013	Sep. 13, 2012	Feb. 29, 2012	Dec. 31, 2011
Maximum stock authorized to purchase under stock repurchase program						$ 262,100,000	$ 210,000,000
Increase in maximum stock authorized to purchase under stock repurchase program			$ 100,000,000	$ 100,000,000		$ 52,100,000
Repurchase of common stock, shares	0	37,108,467
Repurchase of common stock, value		$ 395,800,000
Maximum [Member]
Maximum stock authorized to purchase under stock repurchase program					$ 113,000,000
Stock authorized to purchase under stock repurchase program, shares					7,500,000
Remaining value of shares authorized for purchase under the stock repurchase program	$ 138,300,000

Earnings Per Share - Reconcilia

Earnings Per Share - Reconciliation of Average Share Amounts used to Compute Both Basic and Diluted Earnings Per Share (Detail) - shares shares in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Weighted average shares outstanding:
Basic weighted average shares outstanding	117,922	114,484	117,035	114,603
Add: Dilutive effect of stock options	1,382	1,944	1,463	2,079
Diluted weighted average shares outstanding	119,304	116,428	118,498	116,682

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Detail) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Earnings Per Share [Abstract]
Options to purchase shares, contingently issuable shares, and common stock warrants excluded from diluted net income per share computation	3,600,000	3,100,000	4,000,000	3,200,000
Common stock outstanding	118,258,853		118,258,853		115,637,804

Other, Net (Detail)

Other, Net (Detail) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Other Income and Expenses [Abstract]
Foreign currency transaction gains (losses)	$ 4,314	$ 3,550	$ 3,230	$ (1,219)
Realized gain on sale of available-for-sale securities			24,465
Other		64		(125)
Total	$ 4,314	$ 3,614	$ 27,695	$ (1,344)

Segment Information - Selected

Segment Information - Selected Segment Financial Data, Revenues and Income Before Income Taxes (Detail) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Segment Reporting Information [Line Items]
Revenues	$ 238,701	$ 249,644	$ 737,340	$ 725,925
Income before income taxes	18,566	25,165	50,750	29,069
Corporate, Non-Segment [Member]
Segment Reporting Information [Line Items]
Income before income taxes	(45,267)	(51,815)	(123,528)	(149,366)
Americas - United States [Member] | Operating Segments [Member]
Segment Reporting Information [Line Items]
Revenues	135,504	156,650	442,042	447,737
Americas - Other [Member] | Operating Segments [Member]
Segment Reporting Information [Line Items]
Revenues	22,787	16,268	57,730	57,695
EMEA [Member] | Operating Segments [Member]
Segment Reporting Information [Line Items]
Revenues	60,558	56,793	178,446	161,604
Income before income taxes	34,893	30,186	89,088	72,526
Asia/Pacific [Member] | Operating Segments [Member]
Segment Reporting Information [Line Items]
Revenues	19,852	19,933	59,122	58,889
Income before income taxes	10,041	9,048	28,613	25,130
Americas [Member] | Operating Segments [Member]
Segment Reporting Information [Line Items]
Income before income taxes	$ 18,899	$ 37,746	$ 56,577	$ 80,779

Segment Information - Selecte60

Segment Information - Selected Segment Financial Data, Assets (Detail) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Segment Reporting Information [Line Items]
Assets	$ 1,744,664	$ 1,850,700
Americas - United States [Member]
Segment Reporting Information [Line Items]
Assets	1,138,127	1,210,674
Americas - Other [Member]
Segment Reporting Information [Line Items]
Assets	28,885	32,594
EMEA [Member]
Segment Reporting Information [Line Items]
Assets	465,036	487,629
Asia/Pacific [Member]
Segment Reporting Information [Line Items]
Assets	$ 112,616	$ 119,803

Segment Information - Additiona

Segment Information - Additional Information (Detail)	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Customer Concentration Risk
Segment Reporting Information [Line Items]
Percentage of revenues	No single customer accounted for more than 10% of the Company's consolidated revenues during the three and nine months ended September 30, 2015 and 2014.	No single customer accounted for more than 10% of the Company's consolidated revenues during the three and nine months ended September 30, 2015 and 2014.	No single customer accounted for more than 10% of the Company's consolidated revenues during the three and nine months ended September 30, 2015 and 2014.	No single customer accounted for more than 10% of the Company's consolidated revenues during the three and nine months ended September 30, 2015 and 2014.
Geographic Concentration Risk
Segment Reporting Information [Line Items]
Percentage of revenues	No country outside the United States accounted for more than 10% of the Company's consolidated revenues during the three and nine months ended September 30, 2015 and 2014.	No country outside the United States accounted for more than 10% of the Company's consolidated revenues during the three and nine months ended September 30, 2015 and 2014.	No country outside the United States accounted for more than 10% of the Company's consolidated revenues during the three and nine months ended September 30, 2015 and 2014.	No country outside the United States accounted for more than 10% of the Company's consolidated revenues during the three and nine months ended September 30, 2015 and 2014.

Income Taxes - Additional Infor

Income Taxes - Additional Information (Detail) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Jun. 30, 2015	Dec. 31, 2014
Income Tax Disclosure [Abstract]
Effective tax rate, percentage	20.40%	37.50%	17.90%	27.10%
Earnings of foreign entities	$ 15.9	$ 7.3	$ 35.9	$ 31.6
Unrecognized tax benefit for uncertain tax positions	22.1		22.1			$ 14.8
Accrued interest and penalties related to income tax liabilities	$ 2.3		$ 2.3			$ 2.4
Decrease in unrecognized tax benefits due to expiration of statutes of limitations and settlement of various audits					$ 3.3

Commitments and Contingencies -

Commitments and Contingencies - Additional Information (Detail) $ in Millions	Sep. 23, 2015USD ($)
Commitments and Contingencies Disclosure [Abstract]
Loss Contingency, name of plaintiff	BHM, Inc.
Loss contingency, damages sought, value	$ 43.8

Accumulated Other Comprehensi64

Accumulated Other Comprehensive Loss - Activity within Accumulated Other Comprehensive Loss (Detail) $ in Thousands	9 Months Ended
	Sep. 30, 2015USD ($)
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	$ (19,883)
Other comprehensive loss	(48,337)
Ending balance	(68,220)
Unrealized gain on available-for-sale securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	22,977
Other comprehensive loss	(22,977)
Foreign currency translation [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	(42,860)
Other comprehensive loss	(25,360)
Ending balance	$ (68,220)